₹1,000 Monthly SIP in JM Arbitrage Fund (Regular) - Bonus Option - Principal Units for 10 Years
If you had started a ₹1,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Regular) - Bonus Option - Principal Units's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,58,305
7 Oct 2026
Absolute gain
+₹37,305
+30.8%
XIRR (annualised)
5.27%
money-weighted
The journey, month by month
Worst fall on the way
-0.5%
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
₹1,67,921
Modelled at historical FD rates. The fund trailed FD by ₹9,616.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹13,000 | ₹13,357 | +2.7% |
| Year 2 (8 Oct 2018) | ₹25,000 | ₹26,383 | +5.5% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹40,206 | +8.7% |
| Year 4 (7 Oct 2020) | ₹49,000 | ₹53,449 | +9.1% |
| Year 5 (7 Oct 2021) | ₹61,000 | ₹67,011 | +9.9% |
| Year 6 (7 Oct 2022) | ₹73,000 | ₹81,493 | +11.6% |
| Year 7 (9 Oct 2023) | ₹85,000 | ₹99,328 | +16.9% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹1,18,470 | +22.1% |
| Year 9 (7 Oct 2025) | ₹1,09,000 | ₹1,37,967 | +26.6% |
| Year 10 (7 Oct 2026) | ₹1,19,000 | ₹1,56,274 | +31.3% |
Best year of the journey: Year 8 (+6.4% market move) · Toughest year: Year 5 (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 (Regular) - Bonus Option - Principal Units's published NAV (source: AMFI) between 7 Oct 2016 and 7 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.