₹25,000 Monthly SIP in JM Dynamic Bond Fund (Regular)- Premium Plan IDCW for 5 Years
If you had started a ₹25,000/month SIP on 16 Mar 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Dynamic Bond Fund (Regular)- Premium Plan IDCW's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹15,08,125
16 Mar 2021
Absolute gain
₹-16,875
-1.1%
XIRR (annualised)
-0.44%
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
₹18,06,438
Modelled at historical FD rates. The fund trailed FD by ₹2,98,313.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Mar 2017) | ₹3,25,000 | ₹3,25,187 | +0.1% |
| Year 2 (16 Mar 2018) | ₹6,25,000 | ₹6,26,341 | +0.2% |
| Year 3 (18 Mar 2019) | ₹9,25,000 | ₹9,27,612 | +0.3% |
| Year 4 (16 Mar 2020) | ₹12,25,000 | ₹12,13,171 | -1% |
| Year 5 (16 Mar 2021) | ₹15,25,000 | ₹15,08,125 | -1.1% |
Best year of the journey: Year 2 (+0.2% market move) · Toughest year: Year 4 (-1.2%)
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 (Regular)- Premium Plan IDCW's published NAV (source: AMFI) between 16 Mar 2016 and 16 Mar 2021; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.