₹1,000 Monthly SIP in JM Arbitrage Fund (Direct) - Annual IDCW for 10 Years
If you had started a ₹1,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Direct) - Annual IDCW's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,62,127
7 Oct 2026
Absolute gain
+₹41,127
+34%
XIRR (annualised)
5.73%
money-weighted
The journey, month by month
Worst fall on the way
-15.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,921
Modelled at historical FD rates. The fund trailed FD by ₹5,794.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹13,000 | ₹12,554 | -3.4% |
| Year 2 (8 Oct 2018) | ₹25,000 | ₹25,610 | +2.4% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹39,518 | +6.8% |
| Year 4 (7 Oct 2020) | ₹49,000 | ₹52,929 | +8% |
| Year 5 (7 Oct 2021) | ₹61,000 | ₹66,720 | +9.4% |
| Year 6 (7 Oct 2022) | ₹73,000 | ₹81,632 | +11.8% |
| Year 7 (9 Oct 2023) | ₹85,000 | ₹1,00,117 | +17.8% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹1,20,114 | +23.8% |
| Year 9 (7 Oct 2025) | ₹1,09,000 | ₹1,40,606 | +29% |
| Year 10 (7 Oct 2026) | ₹1,19,000 | ₹1,60,093 | +34.5% |
Best year of the journey: Year 8 (+7.1% market move) · Toughest year: Year 1 (-3.4%)
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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Same SIP in other Arbitrage funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Arbitrage Fund (Direct) - Annual IDCW's published NAV (source: AMFI) between 7 Oct 2016 and 7 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.