₹10,000 Monthly SIP in JM Arbitrage Fund (Direct) - Half Yearly Bonus Option - Principal Units for 3 Years
If you had started a ₹10,000/month SIP on 27 Jan 2022 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,14,728
27 Jan 2025
Absolute gain
+₹44,728
+12.1%
XIRR (annualised)
7.4%
money-weighted
The journey, month by month
Worst fall on the way
-0.2%
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
₹4,08,079
Modelled at historical FD rates. The fund beat FD by ₹6,649.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2023) | ₹1,30,000 | ₹1,33,971 | +3.1% |
| Year 2 (29 Jan 2024) | ₹2,50,000 | ₹2,69,353 | +7.7% |
| Year 3 (27 Jan 2025) | ₹3,70,000 | ₹4,14,728 | +12.1% |
Best year of the journey: Year 3 (+6.5% market move) · Toughest year: Year 1 (3.1%)
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) - Half Yearly Bonus Option - Principal Units's published NAV (source: AMFI) between 27 Jan 2022 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.