₹5,000 Monthly SIP in JM Dynamic Bond Fund - Premium Plan for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹16,48,695
14 Jan 2020
Absolute gain
+₹7,43,695
+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
₹16,79,161
Modelled at historical FD rates. The fund trailed FD by ₹30,466.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Jan 2006) | ₹65,000 | ₹67,050 | +3.2% |
| Year 2 (15 Jan 2007) | ₹1,25,000 | ₹1,32,947 | +6.4% |
| Year 3 (14 Jan 2008) | ₹1,85,000 | ₹2,04,909 | +10.8% |
| Year 4 (14 Jan 2009) | ₹2,45,000 | ₹2,83,619 | +15.8% |
| Year 5 (14 Jan 2010) | ₹3,05,000 | ₹3,59,319 | +17.8% |
| Year 6 (14 Jan 2011) | ₹3,65,000 | ₹4,40,868 | +20.8% |
| Year 7 (16 Jan 2012) | ₹4,25,000 | ₹5,40,086 | +27.1% |
| Year 8 (14 Jan 2013) | ₹4,85,000 | ₹6,45,161 | +33% |
| Year 9 (15 Jan 2014) | ₹5,45,000 | ₹7,61,511 | +39.7% |
| Year 10 (14 Jan 2015) | ₹6,05,000 | ₹8,91,446 | +47.3% |
| Year 11 (14 Jan 2016) | ₹6,65,000 | ₹10,34,438 | +55.6% |
| Year 12 (16 Jan 2017) | ₹7,25,000 | ₹11,84,608 | +63.4% |
| Year 13 (15 Jan 2018) | ₹7,85,000 | ₹13,35,566 | +70.1% |
| Year 14 (14 Jan 2019) | ₹8,45,000 | ₹14,96,760 | +77.1% |
| Year 15 (14 Jan 2020) | ₹9,05,000 | ₹16,48,695 | +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.
Try a different amount
Try a different duration
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.