₹2,000 Monthly SIP in JM Arbitrage Fund (Direct) - Quarterly Bonus Option - Principal Units for 10 Years
If you had started a ₹2,000/month SIP on 27 Jan 2015 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Direct) - Quarterly Bonus Option - Principal Units's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹3,24,472
27 Jan 2025
Absolute gain
+₹82,472
+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
₹3,42,982
Modelled at historical FD rates. The fund trailed FD by ₹18,510.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2016) | ₹26,000 | ₹27,000 | +3.8% |
| Year 2 (27 Jan 2017) | ₹50,000 | ₹53,901 | +7.8% |
| Year 3 (29 Jan 2018) | ₹74,000 | ₹81,902 | +10.7% |
| Year 4 (28 Jan 2019) | ₹98,000 | ₹1,11,330 | +13.6% |
| Year 5 (27 Jan 2020) | ₹1,22,000 | ₹1,42,365 | +16.7% |
| Year 6 (27 Jan 2021) | ₹1,46,000 | ₹1,70,423 | +16.7% |
| Year 7 (27 Jan 2022) | ₹1,70,000 | ₹2,00,640 | +18% |
| Year 8 (27 Jan 2023) | ₹1,94,000 | ₹2,35,083 | +21.2% |
| Year 9 (29 Jan 2024) | ₹2,18,000 | ₹2,78,235 | +27.6% |
| Year 10 (27 Jan 2025) | ₹2,42,000 | ₹3,24,472 | +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) - Quarterly 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.