₹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 7 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
₹76,25,483
6 Oct 2026
Absolute gain
+₹31,00,483
+68.5%
XIRR (annualised)
6.64%
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
₹83,68,130
Modelled at historical FD rates. The fund trailed FD by ₹7,42,647.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹3,25,000 | ₹3,64,668 | +12.2% |
| Year 2 (7 Oct 2013) | ₹6,25,000 | ₹6,19,578 | -0.9% |
| Year 3 (7 Oct 2014) | ₹9,25,000 | ₹12,14,034 | +31.2% |
| Year 4 (6 Oct 2015) | ₹12,25,000 | ₹17,00,082 | +38.8% |
| Year 5 (6 Oct 2016) | ₹15,25,000 | ₹22,20,291 | +45.6% |
| Year 6 (6 Oct 2017) | ₹18,25,000 | ₹27,28,057 | +49.5% |
| Year 7 (8 Oct 2018) | ₹21,25,000 | ₹25,47,161 | +19.9% |
| Year 8 (7 Oct 2019) | ₹24,25,000 | ₹28,33,103 | +16.8% |
| Year 9 (6 Oct 2020) | ₹27,25,000 | ₹30,52,055 | +12% |
| Year 10 (6 Oct 2021) | ₹30,25,000 | ₹49,19,346 | +62.6% |
| Year 11 (6 Oct 2022) | ₹33,25,000 | ₹52,81,449 | +58.8% |
| Year 12 (6 Oct 2023) | ₹36,25,000 | ₹58,98,620 | +62.7% |
| Year 13 (7 Oct 2024) | ₹39,25,000 | ₹77,46,209 | +97.4% |
| Year 14 (6 Oct 2025) | ₹42,25,000 | ₹75,82,662 | +79.5% |
| Year 15 (6 Oct 2026) | ₹44,75,000 | ₹75,75,696 | +69.3% |
Best year of the journey: Year 10 (+46.8% market move) · Toughest year: Year 7 (-15.9%)
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 7 Oct 2011 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.