₹1,000 Monthly SIP in JM Dynamic Bond Fund - Premium Plan for 15 Years
If you had started a ₹1,000/month SIP on 14 Jan 2005 and never stopped — through every crash and rally — here is exactly what happened, using JM Dynamic Bond Fund - Premium Plan's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹3,29,739
14 Jan 2020
Absolute gain
+₹1,48,739
+82.2%
XIRR (annualised)
7.57%
money-weighted
The journey, month by month
Worst fall on the way
-0.2%
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
₹3,35,832
Modelled at historical FD rates. The fund trailed FD by ₹6,093.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Jan 2006) | ₹13,000 | ₹13,410 | +3.2% |
| Year 2 (15 Jan 2007) | ₹25,000 | ₹26,589 | +6.4% |
| Year 3 (14 Jan 2008) | ₹37,000 | ₹40,982 | +10.8% |
| Year 4 (14 Jan 2009) | ₹49,000 | ₹56,724 | +15.8% |
| Year 5 (14 Jan 2010) | ₹61,000 | ₹71,864 | +17.8% |
| Year 6 (14 Jan 2011) | ₹73,000 | ₹88,174 | +20.8% |
| Year 7 (16 Jan 2012) | ₹85,000 | ₹1,08,017 | +27.1% |
| Year 8 (14 Jan 2013) | ₹97,000 | ₹1,29,032 | +33% |
| Year 9 (15 Jan 2014) | ₹1,09,000 | ₹1,52,302 | +39.7% |
| Year 10 (14 Jan 2015) | ₹1,21,000 | ₹1,78,289 | +47.3% |
| Year 11 (14 Jan 2016) | ₹1,33,000 | ₹2,06,888 | +55.6% |
| Year 12 (16 Jan 2017) | ₹1,45,000 | ₹2,36,922 | +63.4% |
| Year 13 (15 Jan 2018) | ₹1,57,000 | ₹2,67,113 | +70.1% |
| Year 14 (14 Jan 2019) | ₹1,69,000 | ₹2,99,352 | +77.1% |
| Year 15 (14 Jan 2020) | ₹1,81,000 | ₹3,29,739 | +82.2% |
Best year of the journey: Year 11 (+8.7% market move) · Toughest year: Year 1 (3.2%)
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 Dynamic Bond funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Dynamic Bond Fund - Premium Plan's published NAV (source: AMFI) between 14 Jan 2005 and 14 Jan 2020; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.