₹5,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹15,21,756
7 Oct 2026
Absolute gain
+₹6,16,756
+68.1%
XIRR (annualised)
6.61%
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
₹16,73,954
Modelled at historical FD rates. The fund trailed FD by ₹1,52,198.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹65,000 | ₹72,934 | +12.2% |
| Year 2 (7 Oct 2013) | ₹1,25,000 | ₹1,23,916 | -0.9% |
| Year 3 (7 Oct 2014) | ₹1,85,000 | ₹2,42,807 | +31.2% |
| Year 4 (7 Oct 2015) | ₹2,45,000 | ₹3,40,010 | +38.8% |
| Year 5 (7 Oct 2016) | ₹3,05,000 | ₹4,43,880 | +45.5% |
| Year 6 (9 Oct 2017) | ₹3,65,000 | ₹5,45,662 | +49.5% |
| Year 7 (8 Oct 2018) | ₹4,25,000 | ₹5,09,432 | +19.9% |
| Year 8 (7 Oct 2019) | ₹4,85,000 | ₹5,66,621 | +16.8% |
| Year 9 (7 Oct 2020) | ₹5,45,000 | ₹6,11,117 | +12.1% |
| Year 10 (7 Oct 2021) | ₹6,05,000 | ₹9,96,619 | +64.7% |
| Year 11 (7 Oct 2022) | ₹6,65,000 | ₹10,54,276 | +58.5% |
| Year 12 (9 Oct 2023) | ₹7,25,000 | ₹11,71,306 | +61.6% |
| Year 13 (7 Oct 2024) | ₹7,85,000 | ₹15,49,242 | +97.4% |
| Year 14 (7 Oct 2025) | ₹8,45,000 | ₹15,19,574 | +79.8% |
| Year 15 (7 Oct 2026) | ₹8,95,000 | ₹15,11,821 | +68.9% |
Best year of the journey: Year 10 (+48.5% market move) · Toughest year: Year 7 (-15.9%)
Wealth Time Machine
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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 7 Oct 2011 and 7 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.