₹2,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹2,000/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
₹4,72,000
236 installments
Value today
₹9,33,691
1 Oct 2026
Absolute gain
+₹4,61,691
+97.8%
XIRR (annualised)
6.52%
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
₹10,96,672
Modelled at historical FD rates. The fund trailed FD by ₹1,62,981.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹16,000 | ₹19,875 | +24.2% |
| Year 2 (1 Oct 2008) | ₹40,000 | ₹30,024 | -24.9% |
| Year 3 (1 Oct 2009) | ₹64,000 | ₹74,763 | +16.8% |
| Year 4 (1 Oct 2010) | ₹88,000 | ₹1,15,670 | +31.4% |
| Year 5 (3 Oct 2011) | ₹1,12,000 | ₹1,16,175 | +3.7% |
| Year 6 (1 Oct 2012) | ₹1,36,000 | ₹1,61,088 | +18.4% |
| Year 7 (1 Oct 2013) | ₹1,60,000 | ₹1,64,250 | +2.7% |
| Year 8 (1 Oct 2014) | ₹1,84,000 | ₹2,64,449 | +43.7% |
| Year 9 (1 Oct 2015) | ₹2,08,000 | ₹3,21,241 | +54.4% |
| Year 10 (3 Oct 2016) | ₹2,32,000 | ₹3,86,016 | +66.4% |
| Year 11 (3 Oct 2017) | ₹2,56,000 | ₹4,40,464 | +72.1% |
| Year 12 (1 Oct 2018) | ₹2,80,000 | ₹4,18,787 | +49.6% |
| Year 13 (1 Oct 2019) | ₹3,04,000 | ₹4,25,918 | +40.1% |
| Year 14 (1 Oct 2020) | ₹3,28,000 | ₹4,25,383 | +29.7% |
| Year 15 (1 Oct 2021) | ₹3,52,000 | ₹6,64,130 | +88.7% |
| Year 16 (3 Oct 2022) | ₹3,76,000 | ₹6,81,981 | +81.4% |
| Year 17 (3 Oct 2023) | ₹4,00,000 | ₹7,70,729 | +92.7% |
| Year 18 (1 Oct 2024) | ₹4,24,000 | ₹10,36,978 | +144.6% |
| Year 19 (1 Oct 2025) | ₹4,48,000 | ₹9,42,277 | +110.3% |
| Year 20 (1 Oct 2026) | ₹4,68,000 | ₹9,29,758 | +98.7% |
Best year of the journey: Year 15 (+47.8% market move) · Toughest year: Year 2 (-31.6%)
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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 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.