₹25,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹75,28,365
1 Oct 2026
Absolute gain
+₹30,03,365
+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
₹83,60,032
Modelled at historical FD rates. The fund trailed FD by ₹8,31,667.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹3,25,000 | ₹3,68,492 | +13.4% |
| Year 2 (1 Oct 2013) | ₹6,25,000 | ₹6,05,993 | -3% |
| Year 3 (1 Oct 2014) | ₹9,25,000 | ₹12,23,116 | +32.2% |
| Year 4 (1 Oct 2015) | ₹12,25,000 | ₹16,74,051 | +36.7% |
| Year 5 (3 Oct 2016) | ₹15,25,000 | ₹22,04,590 | +44.6% |
| Year 6 (3 Oct 2017) | ₹18,25,000 | ₹26,86,304 | +47.2% |
| Year 7 (1 Oct 2018) | ₹21,25,000 | ₹26,94,643 | +26.8% |
| Year 8 (1 Oct 2019) | ₹24,25,000 | ₹28,84,965 | +19% |
| Year 9 (1 Oct 2020) | ₹27,25,000 | ₹30,24,514 | +11% |
| Year 10 (1 Oct 2021) | ₹30,25,000 | ₹48,74,263 | +61.1% |
| Year 11 (3 Oct 2022) | ₹33,25,000 | ₹51,29,160 | +54.3% |
| Year 12 (3 Oct 2023) | ₹36,25,000 | ₹59,27,588 | +63.5% |
| Year 13 (1 Oct 2024) | ₹39,25,000 | ₹81,11,596 | +106.7% |
| Year 14 (1 Oct 2025) | ₹42,25,000 | ₹74,87,241 | +77.2% |
| Year 15 (1 Oct 2026) | ₹44,75,000 | ₹74,79,209 | +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.