₹1,000 Monthly SIP in JM Dynamic Bond Fund (Regular) - Half Yearly Bonus Option - Principal Units for 10 Years
If you had started a ₹1,000/month SIP on 27 Jan 2015 and never stopped — through every crash and rally — here is exactly what happened, using JM Dynamic Bond Fund (Regular) - Half Yearly Bonus Option - Principal Units's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,67,632
27 Jan 2025
Absolute gain
+₹46,632
+38.5%
XIRR (annualised)
6.31%
money-weighted
The journey, month by month
Worst fall on the way
-3%
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
₹1,71,484
Modelled at historical FD rates. The fund trailed FD by ₹3,852.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2016) | ₹13,000 | ₹13,668 | +5.1% |
| Year 2 (27 Jan 2017) | ₹25,000 | ₹27,403 | +9.6% |
| Year 3 (29 Jan 2018) | ₹37,000 | ₹41,955 | +13.4% |
| Year 4 (28 Jan 2019) | ₹49,000 | ₹57,539 | +17.4% |
| Year 5 (27 Jan 2020) | ₹61,000 | ₹73,327 | +20.2% |
| Year 6 (27 Jan 2021) | ₹73,000 | ₹90,732 | +24.3% |
| Year 7 (27 Jan 2022) | ₹85,000 | ₹1,05,913 | +24.6% |
| Year 8 (27 Jan 2023) | ₹97,000 | ₹1,22,536 | +26.3% |
| Year 9 (29 Jan 2024) | ₹1,09,000 | ₹1,42,923 | +31.1% |
| Year 10 (27 Jan 2025) | ₹1,21,000 | ₹1,67,632 | +38.5% |
Best year of the journey: Year 10 (+8.2% market move) · Toughest year: Year 7 (3.1%)
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 (Regular) - Half Yearly Bonus Option - Principal Units's published NAV (source: AMFI) between 27 Jan 2015 and 27 Jan 2025; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.