₹10,000 Monthly SIP in JM Arbitrage Fund (Regular) - Quarterly IDCW for 10 Years
If you had started a ₹10,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Arbitrage Fund (Regular) - Quarterly IDCW's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹15,55,558
8 Oct 2026
Absolute gain
+₹3,45,558
+28.6%
XIRR (annualised)
4.93%
money-weighted
The journey, month by month
Worst fall on the way
-15.1%
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
₹16,79,490
Modelled at historical FD rates. The fund trailed FD by ₹1,23,932.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,17,919 | -9.3% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,47,343 | -1.1% |
| Year 3 (9 Oct 2019) | ₹3,70,000 | ₹3,82,878 | +3.5% |
| Year 4 (8 Oct 2020) | ₹4,90,000 | ₹5,15,489 | +5.2% |
| Year 5 (8 Oct 2021) | ₹6,10,000 | ₹6,50,731 | +6.7% |
| Year 6 (10 Oct 2022) | ₹7,30,000 | ₹7,95,196 | +8.9% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹9,71,499 | +14.3% |
| Year 8 (8 Oct 2024) | ₹9,70,000 | ₹11,62,314 | +19.8% |
| Year 9 (8 Oct 2025) | ₹10,90,000 | ₹13,56,517 | +24.5% |
| Year 10 (8 Oct 2026) | ₹11,90,000 | ₹15,35,267 | +29% |
Best year of the journey: Year 8 (+6.5% market move) · Toughest year: Year 1 (-9.3%)
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) - Quarterly IDCW's published NAV (source: AMFI) between 10 Oct 2016 and 8 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.