₹2,000 Monthly SIP in JM Dynamic Bond Fund - Premium Plan for 5 Years
If you had started a ₹2,000/month SIP on 14 Jan 2015 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 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,46,061
14 Jan 2020
Absolute gain
+₹24,061
+19.7%
XIRR (annualised)
7.15%
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
₹1,45,823
Modelled at historical FD rates. The fund beat FD by ₹238.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (14 Jan 2016) | ₹26,000 | ₹27,223 | +4.7% |
| Year 2 (16 Jan 2017) | ₹50,000 | ₹54,503 | +9% |
| Year 3 (15 Jan 2018) | ₹74,000 | ₹83,450 | +12.8% |
| Year 4 (14 Jan 2019) | ₹98,000 | ₹1,14,514 | +16.9% |
| Year 5 (14 Jan 2020) | ₹1,22,000 | ₹1,46,061 | +19.7% |
Best year of the journey: Year 4 (+6.6% market move) · Toughest year: Year 1 (4.7%)
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 2015 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.