₹5,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹5,000/month SIP on 6 Oct 2023 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,88,633
6 Oct 2026
Absolute gain
+₹3,633
+2%
XIRR (annualised)
1.3%
money-weighted
The journey, month by month
Worst fall on the way
-12.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,05,493
Modelled at historical FD rates. The fund trailed FD by ₹16,860.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹65,000 | ₹73,945 | +13.8% |
| Year 2 (6 Oct 2025) | ₹1,25,000 | ₹1,32,393 | +5.9% |
| Year 3 (6 Oct 2026) | ₹1,75,000 | ₹1,78,675 | +2.1% |
Best year of the journey: Year 1 (+13.8% market move) · Toughest year: Year 3 (-2%)
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 6 Oct 2023 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.