₹25,000 Monthly SIP in JM Arbitrage Fund (Direct) - Annual IDCW for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹40,53,180
7 Oct 2026
Absolute gain
+₹10,28,180
+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
₹41,98,034
Modelled at historical FD rates. The fund trailed FD by ₹1,44,854.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹3,25,000 | ₹3,13,843 | -3.4% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹6,40,257 | +2.4% |
| Year 3 (7 Oct 2019) | ₹9,25,000 | ₹9,87,958 | +6.8% |
| Year 4 (7 Oct 2020) | ₹12,25,000 | ₹13,23,216 | +8% |
| Year 5 (7 Oct 2021) | ₹15,25,000 | ₹16,68,012 | +9.4% |
| Year 6 (7 Oct 2022) | ₹18,25,000 | ₹20,40,794 | +11.8% |
| Year 7 (9 Oct 2023) | ₹21,25,000 | ₹25,02,933 | +17.8% |
| Year 8 (7 Oct 2024) | ₹24,25,000 | ₹30,02,852 | +23.8% |
| Year 9 (7 Oct 2025) | ₹27,25,000 | ₹35,15,142 | +29% |
| Year 10 (7 Oct 2026) | ₹29,75,000 | ₹40,02,320 | +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.