₹5,000 Monthly SIP in JM Dynamic Bond Fund (Regular)- Premium Plan IDCW for 10 Years
If you had started a ₹5,000/month SIP on 16 Mar 2011 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 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹5,98,627
16 Mar 2021
Absolute gain
₹-6,373
-1.1%
XIRR (annualised)
-0.21%
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
₹9,27,862
Modelled at historical FD rates. The fund trailed FD by ₹3,29,235.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Mar 2012) | ₹65,000 | ₹65,167 | +0.3% |
| Year 2 (18 Mar 2013) | ₹1,25,000 | ₹1,25,329 | +0.3% |
| Year 3 (18 Mar 2014) | ₹1,85,000 | ₹1,85,297 | +0.2% |
| Year 4 (16 Mar 2015) | ₹2,45,000 | ₹2,45,270 | +0.1% |
| Year 5 (16 Mar 2016) | ₹3,05,000 | ₹3,04,808 | -0.1% |
| Year 6 (16 Mar 2017) | ₹3,65,000 | ₹3,65,138 | +0% |
| Year 7 (16 Mar 2018) | ₹4,25,000 | ₹4,26,018 | +0.2% |
| Year 8 (18 Mar 2019) | ₹4,85,000 | ₹4,86,652 | +0.3% |
| Year 9 (16 Mar 2020) | ₹5,45,000 | ₹5,40,132 | -0.9% |
| Year 10 (16 Mar 2021) | ₹6,05,000 | ₹5,98,627 | -1.1% |
Best year of the journey: Year 1 (+0.3% market move) · Toughest year: Year 9 (-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 2011 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.