₹10,000 Monthly SIP in JM Arbitrage Fund (Direct) - Half Yearly Bonus Option - Principal Units for 10 Years
If you had started a ₹10,000/month SIP on 27 Jan 2015 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Direct) - Half Yearly Bonus Option - Principal Units's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,22,263
27 Jan 2025
Absolute gain
+₹4,12,263
+34.1%
XIRR (annualised)
5.68%
money-weighted
The journey, month by month
Worst fall on the way
-0.3%
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
₹17,14,911
Modelled at historical FD rates. The fund trailed FD by ₹92,648.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2016) | ₹1,30,000 | ₹1,35,002 | +3.8% |
| Year 2 (27 Jan 2017) | ₹2,50,000 | ₹2,69,444 | +7.8% |
| Year 3 (29 Jan 2018) | ₹3,70,000 | ₹4,09,446 | +10.7% |
| Year 4 (28 Jan 2019) | ₹4,90,000 | ₹5,56,578 | +13.6% |
| Year 5 (27 Jan 2020) | ₹6,10,000 | ₹7,11,752 | +16.7% |
| Year 6 (27 Jan 2021) | ₹7,30,000 | ₹8,52,044 | +16.7% |
| Year 7 (27 Jan 2022) | ₹8,50,000 | ₹10,03,120 | +18% |
| Year 8 (27 Jan 2023) | ₹9,70,000 | ₹11,75,329 | +21.2% |
| Year 9 (29 Jan 2024) | ₹10,90,000 | ₹13,91,085 | +27.6% |
| Year 10 (27 Jan 2025) | ₹12,10,000 | ₹16,22,263 | +34.1% |
Best year of the journey: Year 9 (+7.4% market move) · Toughest year: Year 6 (2.4%)
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) - Half Yearly Bonus Option - Principal Units's published NAV (source: AMFI) between 27 Jan 2015 and 27 Jan 2025; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.