₹1,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹1,000/month SIP on 7 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹3,05,019
6 Oct 2026
Absolute gain
+₹1,24,019
+68.5%
XIRR (annualised)
6.64%
money-weighted
The journey, month by month
Worst fall on the way
-37.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,34,725
Modelled at historical FD rates. The fund trailed FD by ₹29,706.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹13,000 | ₹14,587 | +12.2% |
| Year 2 (7 Oct 2013) | ₹25,000 | ₹24,783 | -0.9% |
| Year 3 (7 Oct 2014) | ₹37,000 | ₹48,561 | +31.2% |
| Year 4 (6 Oct 2015) | ₹49,000 | ₹68,003 | +38.8% |
| Year 5 (6 Oct 2016) | ₹61,000 | ₹88,812 | +45.6% |
| Year 6 (6 Oct 2017) | ₹73,000 | ₹1,09,122 | +49.5% |
| Year 7 (8 Oct 2018) | ₹85,000 | ₹1,01,886 | +19.9% |
| Year 8 (7 Oct 2019) | ₹97,000 | ₹1,13,324 | +16.8% |
| Year 9 (6 Oct 2020) | ₹1,09,000 | ₹1,22,082 | +12% |
| Year 10 (6 Oct 2021) | ₹1,21,000 | ₹1,96,774 | +62.6% |
| Year 11 (6 Oct 2022) | ₹1,33,000 | ₹2,11,258 | +58.8% |
| Year 12 (6 Oct 2023) | ₹1,45,000 | ₹2,35,945 | +62.7% |
| Year 13 (7 Oct 2024) | ₹1,57,000 | ₹3,09,848 | +97.4% |
| Year 14 (6 Oct 2025) | ₹1,69,000 | ₹3,03,306 | +79.5% |
| Year 15 (6 Oct 2026) | ₹1,79,000 | ₹3,03,028 | +69.3% |
Best year of the journey: Year 10 (+46.8% market move) · Toughest year: Year 7 (-15.9%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 7 Oct 2011 and 6 Oct 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.