Official AMFI data
Arthkar — Understand Money, Invest Smartly
Computed from real daily NAV — not projections

₹25,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years

If you had started a ₹25,000/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

₹59,00,000

236 installments

Value today

₹1,18,21,019

6 Oct 2026

Absolute gain

+₹59,21,019

+100.4%

XIRR (annualised)

6.63%

money-weighted

The journey, month by month

Portfolio value Amount invested

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

₹1,37,22,334

Modelled at historical FD rates. The fund trailed FD by ₹19,01,315.

Year-by-year progress

YearInvestedValueOverall gain
Year 1 (8 Oct 2007)₹2,00,000₹2,47,740+23.9%
Year 2 (6 Oct 2008)₹5,00,000₹3,53,868-29.2%
Year 3 (6 Oct 2009)₹8,00,000₹9,23,704+15.5%
Year 4 (6 Oct 2010)₹11,00,000₹14,77,219+34.3%
Year 5 (7 Oct 2011)₹14,00,000₹14,43,643+3.1%
Year 6 (8 Oct 2012)₹17,00,000₹19,91,782+17.2%
Year 7 (7 Oct 2013)₹20,00,000₹20,98,629+4.9%
Year 8 (7 Oct 2014)₹23,00,000₹32,80,482+42.6%
Year 9 (6 Oct 2015)₹26,00,000₹40,77,367+56.8%
Year 10 (6 Oct 2016)₹29,00,000₹48,58,965+67.6%
Year 11 (6 Oct 2017)₹32,00,000₹55,90,763+74.7%
Year 12 (8 Oct 2018)₹35,00,000₹49,47,844+41.4%
Year 13 (7 Oct 2019)₹38,00,000₹52,27,805+37.6%
Year 14 (6 Oct 2020)₹41,00,000₹53,65,279+30.9%
Year 15 (6 Oct 2021)₹44,00,000₹83,77,803+90.4%
Year 16 (6 Oct 2022)₹47,00,000₹87,77,263+86.8%
Year 17 (6 Oct 2023)₹50,00,000₹95,86,408+91.7%
Year 18 (7 Oct 2024)₹53,00,000₹1,23,77,579+133.5%
Year 19 (6 Oct 2025)₹56,00,000₹1,19,27,863+113%
Year 20 (6 Oct 2026)₹58,50,000₹1,17,71,231+101.2%

Best year of the journey: Year 15 (+47.9% market move) · Toughest year: Year 2 (-35.4%)

Wealth Time Machine

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Every crash headline, every recovery — with your money in it.

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Same SIP in other Large & Mid Cap funds

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 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.