₹2,000 Monthly SIP in JM Dynamic Bond Fund - Premium Plan for 10 Years
If you had started a ₹2,000/month SIP on 14 Jan 2010 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 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹3,61,020
14 Jan 2020
Absolute gain
+₹1,19,020
+49.2%
XIRR (annualised)
7.76%
money-weighted
The journey, month by month
Worst fall on the way
0%
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
₹3,67,607
Modelled at historical FD rates. The fund trailed FD by ₹6,587.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (14 Jan 2011) | ₹26,000 | ₹26,828 | +3.2% |
| Year 2 (16 Jan 2012) | ₹50,000 | ₹54,066 | +8.1% |
| Year 3 (14 Jan 2013) | ₹74,000 | ₹83,256 | +12.5% |
| Year 4 (15 Jan 2014) | ₹98,000 | ₹1,15,232 | +17.6% |
| Year 5 (14 Jan 2015) | ₹1,22,000 | ₹1,50,456 | +23.3% |
| Year 6 (14 Jan 2016) | ₹1,46,000 | ₹1,89,066 | +29.5% |
| Year 7 (16 Jan 2017) | ₹1,70,000 | ₹2,30,073 | +35.3% |
| Year 8 (15 Jan 2018) | ₹1,94,000 | ₹2,72,182 | +40.3% |
| Year 9 (14 Jan 2019) | ₹2,18,000 | ₹3,17,236 | +45.5% |
| Year 10 (14 Jan 2020) | ₹2,42,000 | ₹3,61,020 | +49.2% |
Best year of the journey: Year 6 (+8.4% 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 2010 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.