₹2,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹2,000/month SIP on 3 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
₹3,62,000
181 installments
Value today
₹6,02,269
1 Oct 2026
Absolute gain
+₹2,40,269
+66.4%
XIRR (annualised)
6.5%
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
₹6,68,803
Modelled at historical FD rates. The fund trailed FD by ₹66,534.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹26,000 | ₹29,479 | +13.4% |
| Year 2 (1 Oct 2013) | ₹50,000 | ₹48,479 | -3% |
| Year 3 (1 Oct 2014) | ₹74,000 | ₹97,849 | +32.2% |
| Year 4 (1 Oct 2015) | ₹98,000 | ₹1,33,924 | +36.7% |
| Year 5 (3 Oct 2016) | ₹1,22,000 | ₹1,76,367 | +44.6% |
| Year 6 (3 Oct 2017) | ₹1,46,000 | ₹2,14,904 | +47.2% |
| Year 7 (1 Oct 2018) | ₹1,70,000 | ₹2,15,571 | +26.8% |
| Year 8 (1 Oct 2019) | ₹1,94,000 | ₹2,30,797 | +19% |
| Year 9 (1 Oct 2020) | ₹2,18,000 | ₹2,41,961 | +11% |
| Year 10 (1 Oct 2021) | ₹2,42,000 | ₹3,89,941 | +61.1% |
| Year 11 (3 Oct 2022) | ₹2,66,000 | ₹4,10,333 | +54.3% |
| Year 12 (3 Oct 2023) | ₹2,90,000 | ₹4,74,207 | +63.5% |
| Year 13 (1 Oct 2024) | ₹3,14,000 | ₹6,48,928 | +106.7% |
| Year 14 (1 Oct 2025) | ₹3,38,000 | ₹5,98,979 | +77.2% |
| Year 15 (1 Oct 2026) | ₹3,58,000 | ₹5,98,337 | +67.1% |
Best year of the journey: Year 10 (+46.6% market move) · Toughest year: Year 14 (-11%)
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 2011 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.