₹10,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹10,000/month SIP on 3 Oct 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,33,112
1 Oct 2026
Absolute gain
+₹4,23,112
+35%
XIRR (annualised)
5.89%
money-weighted
The journey, month by month
Worst fall on the way
-36.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
9
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,77,504
Modelled at historical FD rates. The fund trailed FD by ₹44,392.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹1,30,000 | ₹1,36,520 | +5% |
| Year 2 (1 Oct 2018) | ₹2,50,000 | ₹2,32,773 | -6.9% |
| Year 3 (1 Oct 2019) | ₹3,70,000 | ₹3,42,567 | -7.4% |
| Year 4 (1 Oct 2020) | ₹4,90,000 | ₹4,47,037 | -8.8% |
| Year 5 (1 Oct 2021) | ₹6,10,000 | ₹8,09,473 | +32.7% |
| Year 6 (3 Oct 2022) | ₹7,30,000 | ₹9,22,001 | +26.3% |
| Year 7 (3 Oct 2023) | ₹8,50,000 | ₹11,37,932 | +33.9% |
| Year 8 (1 Oct 2024) | ₹9,70,000 | ₹16,30,908 | +68.1% |
| Year 9 (1 Oct 2025) | ₹10,90,000 | ₹15,67,274 | +43.8% |
| Year 10 (1 Oct 2026) | ₹11,90,000 | ₹16,13,450 | +35.6% |
Best year of the journey: Year 5 (+42.8% market move) · Toughest year: Year 9 (-10.5%)
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 3 Oct 2016 and 1 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.