₹5,000 Monthly SIP in JM Dynamic Bond Fund - Premium Plan for 3 Years
If you had started a ₹5,000/month SIP on 16 Jan 2017 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,04,449
14 Jan 2020
Absolute gain
+₹19,449
+10.5%
XIRR (annualised)
6.62%
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
₹2,04,569
Modelled at historical FD rates. The fund trailed FD by ₹120.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (15 Jan 2018) | ₹65,000 | ₹67,526 | +3.9% |
| Year 2 (14 Jan 2019) | ₹1,25,000 | ₹1,34,728 | +7.8% |
| Year 3 (14 Jan 2020) | ₹1,85,000 | ₹2,04,449 | +10.5% |
Best year of the journey: Year 2 (+5.6% market move) · Toughest year: Year 1 (3.9%)
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 16 Jan 2017 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.