₹5,000 Monthly SIP in JM Arbitrage Fund (Direct) - Half Yearly Bonus Option - Principal Units for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹8,11,131
27 Jan 2025
Absolute gain
+₹2,06,131
+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
₹8,57,455
Modelled at historical FD rates. The fund trailed FD by ₹46,324.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2016) | ₹65,000 | ₹67,501 | +3.8% |
| Year 2 (27 Jan 2017) | ₹1,25,000 | ₹1,34,722 | +7.8% |
| Year 3 (29 Jan 2018) | ₹1,85,000 | ₹2,04,723 | +10.7% |
| Year 4 (28 Jan 2019) | ₹2,45,000 | ₹2,78,289 | +13.6% |
| Year 5 (27 Jan 2020) | ₹3,05,000 | ₹3,55,876 | +16.7% |
| Year 6 (27 Jan 2021) | ₹3,65,000 | ₹4,26,022 | +16.7% |
| Year 7 (27 Jan 2022) | ₹4,25,000 | ₹5,01,560 | +18% |
| Year 8 (27 Jan 2023) | ₹4,85,000 | ₹5,87,664 | +21.2% |
| Year 9 (29 Jan 2024) | ₹5,45,000 | ₹6,95,542 | +27.6% |
| Year 10 (27 Jan 2025) | ₹6,05,000 | ₹8,11,131 | +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.