₹5,000 Monthly SIP in JM Arbitrage Fund (Regular) - Half Yearly IDCW for 10 Years
If you had started a ₹5,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Regular) - Half Yearly IDCW's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹7,72,569
7 Oct 2026
Absolute gain
+₹1,67,569
+27.7%
XIRR (annualised)
4.8%
money-weighted
The journey, month by month
Worst fall on the way
-16.2%
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
₹8,39,607
Modelled at historical FD rates. The fund trailed FD by ₹67,038.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹65,000 | ₹66,767 | +2.7% |
| Year 2 (8 Oct 2018) | ₹1,25,000 | ₹1,19,650 | -4.3% |
| Year 3 (7 Oct 2019) | ₹1,85,000 | ₹1,87,454 | +1.3% |
| Year 4 (7 Oct 2020) | ₹2,45,000 | ₹2,53,292 | +3.4% |
| Year 5 (7 Oct 2021) | ₹3,05,000 | ₹3,20,733 | +5.2% |
| Year 6 (7 Oct 2022) | ₹3,65,000 | ₹3,92,649 | +7.6% |
| Year 7 (9 Oct 2023) | ₹4,25,000 | ₹4,80,827 | +13.1% |
| Year 8 (7 Oct 2024) | ₹4,85,000 | ₹5,75,460 | +18.7% |
| Year 9 (7 Oct 2025) | ₹5,45,000 | ₹6,71,915 | +23.3% |
| Year 10 (7 Oct 2026) | ₹5,95,000 | ₹7,62,415 | +28.1% |
Best year of the journey: Year 8 (+6.4% market move) · Toughest year: Year 2 (-5.6%)
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) - Half Yearly IDCW'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.