₹5,000 Monthly SIP in JM Arbitrage Fund (Direct) - Annual IDCW for 5 Years
If you had started a ₹5,000/month SIP on 7 Oct 2021 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 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,61,506
7 Oct 2026
Absolute gain
+₹56,506
+18.5%
XIRR (annualised)
6.81%
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
₹3,58,083
Modelled at historical FD rates. The fund beat FD by ₹3,423.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹65,000 | ₹66,374 | +2.1% |
| Year 2 (9 Oct 2023) | ₹1,25,000 | ₹1,33,529 | +6.8% |
| Year 3 (7 Oct 2024) | ₹1,85,000 | ₹2,05,738 | +11.2% |
| Year 4 (7 Oct 2025) | ₹2,45,000 | ₹2,81,427 | +14.9% |
| Year 5 (7 Oct 2026) | ₹2,95,000 | ₹3,51,334 | +19.1% |
Best year of the journey: Year 3 (+6.3% market move) · Toughest year: Year 1 (2.1%)
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 2021 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.