₹5,000 Monthly SIP in JM Arbitrage Fund (Direct) - Annual IDCW for 3 Years
If you had started a ₹5,000/month SIP on 9 Oct 2023 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,04,238
7 Oct 2026
Absolute gain
+₹19,238
+10.4%
XIRR (annualised)
6.67%
money-weighted
The journey, month by month
Worst fall on the way
-0.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,05,528
Modelled at historical FD rates. The fund trailed FD by ₹1,290.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹65,000 | ₹67,483 | +3.8% |
| Year 2 (7 Oct 2025) | ₹1,25,000 | ₹1,33,798 | +7% |
| Year 3 (7 Oct 2026) | ₹1,75,000 | ₹1,94,066 | +10.9% |
Best year of the journey: Year 3 (+5.6% market move) · Toughest year: Year 1 (3.8%)
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 9 Oct 2023 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.