₹5,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹5,000/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
₹11,80,000
236 installments
Value today
₹23,34,226
1 Oct 2026
Absolute gain
+₹11,54,226
+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
₹27,41,681
Modelled at historical FD rates. The fund trailed FD by ₹4,07,455.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹40,000 | ₹49,688 | +24.2% |
| Year 2 (1 Oct 2008) | ₹1,00,000 | ₹75,059 | -24.9% |
| Year 3 (1 Oct 2009) | ₹1,60,000 | ₹1,86,907 | +16.8% |
| Year 4 (1 Oct 2010) | ₹2,20,000 | ₹2,89,176 | +31.4% |
| Year 5 (3 Oct 2011) | ₹2,80,000 | ₹2,90,437 | +3.7% |
| Year 6 (1 Oct 2012) | ₹3,40,000 | ₹4,02,719 | +18.4% |
| Year 7 (1 Oct 2013) | ₹4,00,000 | ₹4,10,624 | +2.7% |
| Year 8 (1 Oct 2014) | ₹4,60,000 | ₹6,61,122 | +43.7% |
| Year 9 (1 Oct 2015) | ₹5,20,000 | ₹8,03,104 | +54.4% |
| Year 10 (3 Oct 2016) | ₹5,80,000 | ₹9,65,040 | +66.4% |
| Year 11 (3 Oct 2017) | ₹6,40,000 | ₹11,01,159 | +72.1% |
| Year 12 (1 Oct 2018) | ₹7,00,000 | ₹10,46,968 | +49.6% |
| Year 13 (1 Oct 2019) | ₹7,60,000 | ₹10,64,794 | +40.1% |
| Year 14 (1 Oct 2020) | ₹8,20,000 | ₹10,63,456 | +29.7% |
| Year 15 (1 Oct 2021) | ₹8,80,000 | ₹16,60,326 | +88.7% |
| Year 16 (3 Oct 2022) | ₹9,40,000 | ₹17,04,952 | +81.4% |
| Year 17 (3 Oct 2023) | ₹10,00,000 | ₹19,26,822 | +92.7% |
| Year 18 (1 Oct 2024) | ₹10,60,000 | ₹25,92,446 | +144.6% |
| Year 19 (1 Oct 2025) | ₹11,20,000 | ₹23,55,692 | +110.3% |
| Year 20 (1 Oct 2026) | ₹11,70,000 | ₹23,24,395 | +98.7% |
Best year of the journey: Year 15 (+47.8% market move) · Toughest year: Year 2 (-31.6%)
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 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.