₹5,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹5,000/month SIP on 1 Oct 2021 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 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,33,382
1 Oct 2026
Absolute gain
+₹28,382
+9.3%
XIRR (annualised)
3.58%
money-weighted
The journey, month by month
Worst fall on the way
-17.8%
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
₹3,57,711
Modelled at historical FD rates. The fund trailed FD by ₹24,329.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹65,000 | ₹64,969 | +0% |
| Year 2 (3 Oct 2023) | ₹1,25,000 | ₹1,36,671 | +9.3% |
| Year 3 (1 Oct 2024) | ₹1,85,000 | ₹2,49,720 | +35% |
| Year 4 (1 Oct 2025) | ₹2,45,000 | ₹2,83,148 | +15.6% |
| Year 5 (1 Oct 2026) | ₹2,95,000 | ₹3,23,551 | +9.7% |
Best year of the journey: Year 3 (+27% market move) · Toughest year: Year 4 (-8.6%)
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 1 Oct 2021 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.