₹25,000 Monthly SIP in JM Arbitrage Fund (Direct) - Half Yearly Bonus Option - Principal Units for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹40,55,657
27 Jan 2025
Absolute gain
+₹10,30,657
+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
₹42,87,277
Modelled at historical FD rates. The fund trailed FD by ₹2,31,620.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2016) | ₹3,25,000 | ₹3,37,504 | +3.8% |
| Year 2 (27 Jan 2017) | ₹6,25,000 | ₹6,73,609 | +7.8% |
| Year 3 (29 Jan 2018) | ₹9,25,000 | ₹10,23,615 | +10.7% |
| Year 4 (28 Jan 2019) | ₹12,25,000 | ₹13,91,445 | +13.6% |
| Year 5 (27 Jan 2020) | ₹15,25,000 | ₹17,79,381 | +16.7% |
| Year 6 (27 Jan 2021) | ₹18,25,000 | ₹21,30,110 | +16.7% |
| Year 7 (27 Jan 2022) | ₹21,25,000 | ₹25,07,800 | +18% |
| Year 8 (27 Jan 2023) | ₹24,25,000 | ₹29,38,322 | +21.2% |
| Year 9 (29 Jan 2024) | ₹27,25,000 | ₹34,77,712 | +27.6% |
| Year 10 (27 Jan 2025) | ₹30,25,000 | ₹40,55,657 | +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.