₹5,000 Monthly SIP in JM Arbitrage Fund (Direct) - Annual IDCW for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹8,10,636
7 Oct 2026
Absolute gain
+₹2,05,636
+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
₹8,39,607
Modelled at historical FD rates. The fund trailed FD by ₹28,971.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹65,000 | ₹62,769 | -3.4% |
| Year 2 (8 Oct 2018) | ₹1,25,000 | ₹1,28,051 | +2.4% |
| Year 3 (7 Oct 2019) | ₹1,85,000 | ₹1,97,592 | +6.8% |
| Year 4 (7 Oct 2020) | ₹2,45,000 | ₹2,64,643 | +8% |
| Year 5 (7 Oct 2021) | ₹3,05,000 | ₹3,33,602 | +9.4% |
| Year 6 (7 Oct 2022) | ₹3,65,000 | ₹4,08,159 | +11.8% |
| Year 7 (9 Oct 2023) | ₹4,25,000 | ₹5,00,587 | +17.8% |
| Year 8 (7 Oct 2024) | ₹4,85,000 | ₹6,00,570 | +23.8% |
| Year 9 (7 Oct 2025) | ₹5,45,000 | ₹7,03,028 | +29% |
| Year 10 (7 Oct 2026) | ₹5,95,000 | ₹8,00,464 | +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.