₹25,000 Monthly SIP in Union Large & Midcap Fund for 5 Years
If you had started a ₹25,000/month SIP on 5 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using Union Large & Midcap Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹20,98,435
3 Jul 2026
Absolute gain
+₹5,73,435
+37.6%
XIRR (annualised)
12.9%
money-weighted
The journey, month by month
Worst fall on the way
-14.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,83,801
Modelled at historical FD rates. The fund beat FD by ₹3,14,634.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹3,25,000 | ₹3,04,083 | -6.4% |
| Year 2 (3 Jul 2023) | ₹6,25,000 | ₹7,04,488 | +12.7% |
| Year 3 (3 Jul 2024) | ₹9,25,000 | ₹13,55,865 | +46.6% |
| Year 4 (3 Jul 2025) | ₹12,25,000 | ₹17,14,398 | +40% |
| Year 5 (3 Jul 2026) | ₹15,25,000 | ₹20,98,435 | +37.6% |
Best year of the journey: Year 3 (+35% market move) · Toughest year: Year 1 (-6.4%)
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 Union Large & Midcap Fund's published NAV (source: AMFI) between 5 Jul 2021 and 3 Jul 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.