₹2,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹2,000/month SIP on 6 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
₹2,42,000
121 installments
Value today
₹3,30,795
6 Oct 2026
Absolute gain
+₹88,795
+36.7%
XIRR (annualised)
6.12%
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
₹3,35,786
Modelled at historical FD rates. The fund trailed FD by ₹4,991.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹26,000 | ₹27,710 | +6.6% |
| Year 2 (8 Oct 2018) | ₹50,000 | ₹43,990 | -12% |
| Year 3 (7 Oct 2019) | ₹74,000 | ₹67,263 | -9.1% |
| Year 4 (6 Oct 2020) | ₹98,000 | ₹90,202 | -8% |
| Year 5 (6 Oct 2021) | ₹1,22,000 | ₹1,63,362 | +33.9% |
| Year 6 (6 Oct 2022) | ₹1,46,000 | ₹1,89,844 | +30% |
| Year 7 (6 Oct 2023) | ₹1,70,000 | ₹2,26,440 | +33.2% |
| Year 8 (7 Oct 2024) | ₹1,94,000 | ₹3,11,445 | +60.5% |
| Year 9 (6 Oct 2025) | ₹2,18,000 | ₹3,17,408 | +45.6% |
| Year 10 (6 Oct 2026) | ₹2,38,000 | ₹3,26,812 | +37.3% |
Best year of the journey: Year 5 (+43% market move) · Toughest year: Year 2 (-14.9%)
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 6 Oct 2016 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.