₹5,000 Monthly SIP in JM Arbitrage Fund (Direct) - Bonus Option - Principal Units for 10 Years
If you had started a ₹5,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Direct) - Bonus Option - Principal Units's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹8,16,553
9 Oct 2026
Absolute gain
+₹2,11,553
+35%
XIRR (annualised)
5.87%
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
₹8,39,889
Modelled at historical FD rates. The fund trailed FD by ₹23,336.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹65,000 | ₹66,922 | +3% |
| Year 2 (9 Oct 2018) | ₹1,25,000 | ₹1,32,509 | +6% |
| Year 3 (9 Oct 2019) | ₹1,85,000 | ₹2,02,004 | +9.2% |
| Year 4 (9 Oct 2020) | ₹2,45,000 | ₹2,69,582 | +10% |
| Year 5 (11 Oct 2021) | ₹3,05,000 | ₹3,38,658 | +11% |
| Year 6 (10 Oct 2022) | ₹3,65,000 | ₹4,13,715 | +13.3% |
| Year 7 (9 Oct 2023) | ₹4,25,000 | ₹5,06,140 | +19.1% |
| Year 8 (9 Oct 2024) | ₹4,85,000 | ₹6,07,546 | +25.3% |
| Year 9 (9 Oct 2025) | ₹5,45,000 | ₹7,09,677 | +30.2% |
| Year 10 (9 Oct 2026) | ₹5,95,000 | ₹8,06,392 | +35.5% |
Best year of the journey: Year 8 (+7.3% market move) · Toughest year: Year 5 (2.8%)
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) - Bonus Option - Principal Units's published NAV (source: AMFI) between 10 Oct 2016 and 9 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.