Inserting a "," in a particular position of a text

It is printing 0 in output because sed capture groups and their back-references can be up to 9 only and \10 is interpreted as \1 followed by literal 0.

You can solve it easily using FIELDWIDTHS feature of gnu-awk:

awk -v OFS=, 'BEGIN { FIELDWIDTHS = "14 7 2 1 3 13 1 8 16 3 *" } {$1 = $1} 1' file

11111111111111,1111111,11,1,111,1111111111111,1,11111111,1111111111111111,111,111
11111111111111,1111111,11,1,111,1111111111111,1,11111111,1111111111111111,111,111

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Just for academic exercise, here is a working sed to solve this using 2 substitutions:

sed -E 's/(.{14})(.{7})(.{2})(.)(.{3})(.{13})(.)(.{8})(.+)/\1,\2,\3,\4,\5,\6,\7,\8,\9/; s/(.+,.{16})(.{3})(.*)/\1,\2,\3/' file

sed can't reference capture groups > 9, Perl can:

perl -i -pe  's/(.{14})(.{7})(.{2})(.)(.{3})(.{13})(.)(.{8})(.{16})(.{3})/$1,$2,$3,$4,$5,$6,$7,$8,$9,$10,/' SOME.TXT