₹2,000 Monthly SIP in JM Arbitrage Fund (Regular) - Monthly IDCW for 10 Years
If you had started a ₹2,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Regular) - Monthly IDCW's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹2,83,791
7 Oct 2026
Absolute gain
+₹41,791
+17.3%
XIRR (annualised)
3.15%
money-weighted
The journey, month by month
Worst fall on the way
-26.1%
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
₹3,35,843
Modelled at historical FD rates. The fund trailed FD by ₹52,052.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹26,000 | ₹26,714 | +2.7% |
| Year 2 (8 Oct 2018) | ₹50,000 | ₹52,766 | +5.5% |
| Year 3 (7 Oct 2019) | ₹74,000 | ₹80,154 | +8.3% |
| Year 4 (7 Oct 2020) | ₹98,000 | ₹82,681 | -15.6% |
| Year 5 (7 Oct 2021) | ₹1,22,000 | ₹1,09,203 | -10.5% |
| Year 6 (7 Oct 2022) | ₹1,46,000 | ₹1,37,321 | -5.9% |
| Year 7 (9 Oct 2023) | ₹1,70,000 | ₹1,71,280 | +0.8% |
| Year 8 (7 Oct 2024) | ₹1,94,000 | ₹2,07,700 | +7.1% |
| Year 9 (7 Oct 2025) | ₹2,18,000 | ₹2,44,922 | +12.3% |
| Year 10 (7 Oct 2026) | ₹2,38,000 | ₹2,79,729 | +17.5% |
Best year of the journey: Year 8 (+6.4% market move) · Toughest year: Year 4 (-20.6%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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) - Monthly 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.