₹10,000 Monthly SIP in JM Arbitrage Fund (Direct) - Half Yearly IDCW for 10 Years
If you had started a ₹10,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Direct) - Half Yearly IDCW's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,26,479
8 Oct 2026
Absolute gain
+₹4,16,479
+34.4%
XIRR (annualised)
5.79%
money-weighted
The journey, month by month
Worst fall on the way
-14%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,490
Modelled at historical FD rates. The fund trailed FD by ₹53,011.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,30,881 | +0.7% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,61,757 | +4.7% |
| Year 3 (9 Oct 2019) | ₹3,70,000 | ₹3,99,430 | +8% |
| Year 4 (8 Oct 2020) | ₹4,90,000 | ₹5,34,431 | +9.1% |
| Year 5 (8 Oct 2021) | ₹6,10,000 | ₹6,72,710 | +10.3% |
| Year 6 (10 Oct 2022) | ₹7,30,000 | ₹8,22,282 | +12.6% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹10,06,561 | +18.4% |
| Year 8 (8 Oct 2024) | ₹9,70,000 | ₹12,07,669 | +24.5% |
| Year 9 (8 Oct 2025) | ₹10,90,000 | ₹14,13,690 | +29.7% |
| Year 10 (8 Oct 2026) | ₹11,90,000 | ₹16,06,152 | +35% |
Best year of the journey: Year 8 (+7.2% market move) · Toughest year: Year 1 (0.7%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 IDCW's published NAV (source: AMFI) between 10 Oct 2016 and 8 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.