₹5,000 Monthly SIP in JM Dynamic Bond Fund (Regular)- Premium Plan IDCW for 15 Years
If you had started a ₹5,000/month SIP on 3 Apr 2006 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 180 installments.
You invested
₹9,00,000
180 installments
Value today
₹8,96,141
16 Mar 2021
Absolute gain
₹-3,859
-0.4%
XIRR (annualised)
-0.06%
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
₹16,98,797
Modelled at historical FD rates. The fund trailed FD by ₹8,02,656.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Mar 2007) | ₹60,000 | ₹59,992 | +0% |
| Year 2 (17 Mar 2008) | ₹1,20,000 | ₹1,20,708 | +0.6% |
| Year 3 (16 Mar 2009) | ₹1,80,000 | ₹1,81,716 | +1% |
| Year 4 (17 Mar 2010) | ₹2,40,000 | ₹2,42,020 | +0.8% |
| Year 5 (16 Mar 2011) | ₹3,00,000 | ₹3,03,182 | +1.1% |
| Year 6 (16 Mar 2012) | ₹3,60,000 | ₹3,65,288 | +1.5% |
| Year 7 (18 Mar 2013) | ₹4,20,000 | ₹4,26,165 | +1.5% |
| Year 8 (18 Mar 2014) | ₹4,80,000 | ₹4,86,104 | +1.3% |
| Year 9 (16 Mar 2015) | ₹5,40,000 | ₹5,46,073 | +1.1% |
| Year 10 (16 Mar 2016) | ₹6,00,000 | ₹6,05,132 | +0.9% |
| Year 11 (16 Mar 2017) | ₹6,60,000 | ₹6,65,756 | +0.9% |
| Year 12 (16 Mar 2018) | ₹7,20,000 | ₹7,27,286 | +1% |
| Year 13 (18 Mar 2019) | ₹7,80,000 | ₹7,88,301 | +1.1% |
| Year 14 (16 Mar 2020) | ₹8,40,000 | ₹8,38,142 | -0.2% |
| Year 15 (16 Mar 2021) | ₹9,00,000 | ₹8,96,141 | -0.4% |
Best year of the journey: Year 2 (+0.6% market move) · Toughest year: Year 14 (-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 3 Apr 2006 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.