₹10,000 Monthly SIP in JM Arbitrage Fund (Direct) - Annual IDCW for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹16,21,272
7 Oct 2026
Absolute gain
+₹4,11,272
+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
₹16,79,214
Modelled at historical FD rates. The fund trailed FD by ₹57,942.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,25,537 | -3.4% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,56,103 | +2.4% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,95,183 | +6.8% |
| Year 4 (7 Oct 2020) | ₹4,90,000 | ₹5,29,286 | +8% |
| Year 5 (7 Oct 2021) | ₹6,10,000 | ₹6,67,205 | +9.4% |
| Year 6 (7 Oct 2022) | ₹7,30,000 | ₹8,16,318 | +11.8% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹10,01,173 | +17.8% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹12,01,141 | +23.8% |
| Year 9 (7 Oct 2025) | ₹10,90,000 | ₹14,06,057 | +29% |
| Year 10 (7 Oct 2026) | ₹11,90,000 | ₹16,00,928 | +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.