₹10,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹10,000/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
₹23,60,000
236 installments
Value today
₹47,28,407
6 Oct 2026
Absolute gain
+₹23,68,407
+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
₹54,88,934
Modelled at historical FD rates. The fund trailed FD by ₹7,60,527.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹80,000 | ₹99,096 | +23.9% |
| Year 2 (6 Oct 2008) | ₹2,00,000 | ₹1,41,547 | -29.2% |
| Year 3 (6 Oct 2009) | ₹3,20,000 | ₹3,69,482 | +15.5% |
| Year 4 (6 Oct 2010) | ₹4,40,000 | ₹5,90,888 | +34.3% |
| Year 5 (7 Oct 2011) | ₹5,60,000 | ₹5,77,457 | +3.1% |
| Year 6 (8 Oct 2012) | ₹6,80,000 | ₹7,96,713 | +17.2% |
| Year 7 (7 Oct 2013) | ₹8,00,000 | ₹8,39,451 | +4.9% |
| Year 8 (7 Oct 2014) | ₹9,20,000 | ₹13,12,193 | +42.6% |
| Year 9 (6 Oct 2015) | ₹10,40,000 | ₹16,30,947 | +56.8% |
| Year 10 (6 Oct 2016) | ₹11,60,000 | ₹19,43,586 | +67.6% |
| Year 11 (6 Oct 2017) | ₹12,80,000 | ₹22,36,305 | +74.7% |
| Year 12 (8 Oct 2018) | ₹14,00,000 | ₹19,79,138 | +41.4% |
| Year 13 (7 Oct 2019) | ₹15,20,000 | ₹20,91,122 | +37.6% |
| Year 14 (6 Oct 2020) | ₹16,40,000 | ₹21,46,112 | +30.9% |
| Year 15 (6 Oct 2021) | ₹17,60,000 | ₹33,51,121 | +90.4% |
| Year 16 (6 Oct 2022) | ₹18,80,000 | ₹35,10,905 | +86.8% |
| Year 17 (6 Oct 2023) | ₹20,00,000 | ₹38,34,563 | +91.7% |
| Year 18 (7 Oct 2024) | ₹21,20,000 | ₹49,51,032 | +133.5% |
| Year 19 (6 Oct 2025) | ₹22,40,000 | ₹47,71,145 | +113% |
| Year 20 (6 Oct 2026) | ₹23,40,000 | ₹47,08,492 | +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.