₹2,000 Monthly SIP in JM Arbitrage Fund (Direct) - Half Yearly IDCW for 10 Years
If you had started a ₹2,000/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
₹2,42,000
121 installments
Value today
₹3,25,296
8 Oct 2026
Absolute gain
+₹83,296
+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
₹3,35,898
Modelled at historical FD rates. The fund trailed FD by ₹10,602.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹26,000 | ₹26,176 | +0.7% |
| Year 2 (8 Oct 2018) | ₹50,000 | ₹52,351 | +4.7% |
| Year 3 (9 Oct 2019) | ₹74,000 | ₹79,886 | +8% |
| Year 4 (8 Oct 2020) | ₹98,000 | ₹1,06,886 | +9.1% |
| Year 5 (8 Oct 2021) | ₹1,22,000 | ₹1,34,542 | +10.3% |
| Year 6 (10 Oct 2022) | ₹1,46,000 | ₹1,64,456 | +12.6% |
| Year 7 (9 Oct 2023) | ₹1,70,000 | ₹2,01,312 | +18.4% |
| Year 8 (8 Oct 2024) | ₹1,94,000 | ₹2,41,534 | +24.5% |
| Year 9 (8 Oct 2025) | ₹2,18,000 | ₹2,82,738 | +29.7% |
| Year 10 (8 Oct 2026) | ₹2,38,000 | ₹3,21,230 | +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.
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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 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.