₹1,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹1,000/month SIP on 29 Sept 2023 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 37 installments.
You invested
₹37,000
37 installments
Value today
₹37,667
28 Sept 2026
Absolute gain
+₹667
+1.8%
XIRR (annualised)
1.15%
money-weighted
The journey, month by month
Worst fall on the way
-12.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,264
Modelled at historical FD rates. The fund trailed FD by ₹3,597.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹13,000 | ₹15,770 | +21.3% |
| Year 2 (30 Sept 2025) | ₹25,000 | ₹26,106 | +4.4% |
| Year 3 (28 Sept 2026) | ₹35,000 | ₹35,685 | +2% |
Best year of the journey: Year 1 (+21.3% market move) · Toughest year: Year 2 (-6%)
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 29 Sept 2023 and 28 Sept 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.