₹10,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹10,000/month SIP on 6 Oct 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,75,215
6 Oct 2026
Absolute gain
+₹65,215
+10.7%
XIRR (annualised)
4.06%
money-weighted
The journey, month by month
Worst fall on the way
-17.8%
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
₹7,16,041
Modelled at historical FD rates. The fund trailed FD by ₹40,826.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹1,30,000 | ₹1,33,694 | +2.8% |
| Year 2 (6 Oct 2023) | ₹2,50,000 | ₹2,71,891 | +8.8% |
| Year 3 (7 Oct 2024) | ₹3,70,000 | ₹4,76,791 | +28.9% |
| Year 4 (6 Oct 2025) | ₹4,90,000 | ₹5,73,365 | +17% |
| Year 5 (6 Oct 2026) | ₹5,90,000 | ₹6,55,300 | +11.1% |
Best year of the journey: Year 3 (+21.7% market move) · Toughest year: Year 4 (-3.9%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 6 Oct 2021 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.