₹5,000 Monthly SIP in JM Arbitrage Fund (Direct) - Quarterly Bonus Option - Principal Units for 5 Years
If you had started a ₹5,000/month SIP on 27 Jan 2020 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 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,58,435
27 Jan 2025
Absolute gain
+₹53,435
+17.5%
XIRR (annualised)
6.31%
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
₹3,53,426
Modelled at historical FD rates. The fund beat FD by ₹5,009.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2021) | ₹65,000 | ₹65,882 | +1.4% |
| Year 2 (27 Jan 2022) | ₹1,25,000 | ₹1,29,246 | +3.4% |
| Year 3 (27 Jan 2023) | ₹1,85,000 | ₹1,97,267 | +6.6% |
| Year 4 (29 Jan 2024) | ₹2,45,000 | ₹2,75,014 | +12.3% |
| Year 5 (27 Jan 2025) | ₹3,05,000 | ₹3,58,435 | +17.5% |
Best year of the journey: Year 5 (+7% market move) · Toughest year: Year 1 (1.4%)
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 2020 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.