₹1,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹1,000/month SIP on 5 Mar 2007 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 236 installments.
You invested
₹2,36,000
236 installments
Value today
₹4,72,841
6 Oct 2026
Absolute gain
+₹2,36,841
+100.4%
XIRR (annualised)
6.63%
money-weighted
The journey, month by month
Worst fall on the way
-100%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
15
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,48,893
Modelled at historical FD rates. The fund trailed FD by ₹76,052.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹8,000 | ₹9,910 | +23.9% |
| Year 2 (6 Oct 2008) | ₹20,000 | ₹14,155 | -29.2% |
| Year 3 (6 Oct 2009) | ₹32,000 | ₹36,948 | +15.5% |
| Year 4 (6 Oct 2010) | ₹44,000 | ₹59,089 | +34.3% |
| Year 5 (7 Oct 2011) | ₹56,000 | ₹57,746 | +3.1% |
| Year 6 (8 Oct 2012) | ₹68,000 | ₹79,671 | +17.2% |
| Year 7 (7 Oct 2013) | ₹80,000 | ₹83,945 | +4.9% |
| Year 8 (7 Oct 2014) | ₹92,000 | ₹1,31,219 | +42.6% |
| Year 9 (6 Oct 2015) | ₹1,04,000 | ₹1,63,095 | +56.8% |
| Year 10 (6 Oct 2016) | ₹1,16,000 | ₹1,94,359 | +67.6% |
| Year 11 (6 Oct 2017) | ₹1,28,000 | ₹2,23,631 | +74.7% |
| Year 12 (8 Oct 2018) | ₹1,40,000 | ₹1,97,914 | +41.4% |
| Year 13 (7 Oct 2019) | ₹1,52,000 | ₹2,09,112 | +37.6% |
| Year 14 (6 Oct 2020) | ₹1,64,000 | ₹2,14,611 | +30.9% |
| Year 15 (6 Oct 2021) | ₹1,76,000 | ₹3,35,112 | +90.4% |
| Year 16 (6 Oct 2022) | ₹1,88,000 | ₹3,51,091 | +86.8% |
| Year 17 (6 Oct 2023) | ₹2,00,000 | ₹3,83,456 | +91.7% |
| Year 18 (7 Oct 2024) | ₹2,12,000 | ₹4,95,103 | +133.5% |
| Year 19 (6 Oct 2025) | ₹2,24,000 | ₹4,77,115 | +113% |
| Year 20 (6 Oct 2026) | ₹2,34,000 | ₹4,70,849 | +101.2% |
Best year of the journey: Year 15 (+47.9% market move) · Toughest year: Year 2 (-35.4%)
Wealth Time Machine
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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 5 Mar 2007 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.