₹5,000 Monthly SIP in JM Arbitrage Fund (Regular) - Monthly 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) - Monthly IDCW's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹7,09,477
7 Oct 2026
Absolute gain
+₹1,04,477
+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
₹8,39,607
Modelled at historical FD rates. The fund trailed FD by ₹1,30,130.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹65,000 | ₹66,785 | +2.7% |
| Year 2 (8 Oct 2018) | ₹1,25,000 | ₹1,31,914 | +5.5% |
| Year 3 (7 Oct 2019) | ₹1,85,000 | ₹2,00,386 | +8.3% |
| Year 4 (7 Oct 2020) | ₹2,45,000 | ₹2,06,703 | -15.6% |
| Year 5 (7 Oct 2021) | ₹3,05,000 | ₹2,73,006 | -10.5% |
| Year 6 (7 Oct 2022) | ₹3,65,000 | ₹3,43,302 | -5.9% |
| Year 7 (9 Oct 2023) | ₹4,25,000 | ₹4,28,200 | +0.8% |
| Year 8 (7 Oct 2024) | ₹4,85,000 | ₹5,19,250 | +7.1% |
| Year 9 (7 Oct 2025) | ₹5,45,000 | ₹6,12,305 | +12.3% |
| Year 10 (7 Oct 2026) | ₹5,95,000 | ₹6,99,323 | +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.
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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) - 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.