₹10,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹10,000/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
₹18,10,000
181 installments
Value today
₹30,50,193
6 Oct 2026
Absolute gain
+₹12,40,193
+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
₹33,47,252
Modelled at historical FD rates. The fund trailed FD by ₹2,97,059.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,45,867 | +12.2% |
| Year 2 (7 Oct 2013) | ₹2,50,000 | ₹2,47,831 | -0.9% |
| Year 3 (7 Oct 2014) | ₹3,70,000 | ₹4,85,614 | +31.2% |
| Year 4 (6 Oct 2015) | ₹4,90,000 | ₹6,80,033 | +38.8% |
| Year 5 (6 Oct 2016) | ₹6,10,000 | ₹8,88,116 | +45.6% |
| Year 6 (6 Oct 2017) | ₹7,30,000 | ₹10,91,223 | +49.5% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹10,18,864 | +19.9% |
| Year 8 (7 Oct 2019) | ₹9,70,000 | ₹11,33,241 | +16.8% |
| Year 9 (6 Oct 2020) | ₹10,90,000 | ₹12,20,822 | +12% |
| Year 10 (6 Oct 2021) | ₹12,10,000 | ₹19,67,738 | +62.6% |
| Year 11 (6 Oct 2022) | ₹13,30,000 | ₹21,12,580 | +58.8% |
| Year 12 (6 Oct 2023) | ₹14,50,000 | ₹23,59,448 | +62.7% |
| Year 13 (7 Oct 2024) | ₹15,70,000 | ₹30,98,484 | +97.4% |
| Year 14 (6 Oct 2025) | ₹16,90,000 | ₹30,33,065 | +79.5% |
| Year 15 (6 Oct 2026) | ₹17,90,000 | ₹30,30,278 | +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.