₹1,000 Monthly SIP in JM Flexicap Fund (Direct) for 10 Years
If you had started a ₹1,000/month SIP on 26 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Flexicap Fund (Direct)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,95,253
25 Sept 2026
Absolute gain
+₹1,74,253
+144%
XIRR (annualised)
16.9%
money-weighted
The journey, month by month
Worst fall on the way
-33.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,561
Modelled at historical FD rates. The fund beat FD by ₹1,26,692.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹13,000 | ₹14,891 | +14.5% |
| Year 2 (25 Sept 2018) | ₹25,000 | ₹26,672 | +6.7% |
| Year 3 (25 Sept 2019) | ₹37,000 | ₹43,658 | +18% |
| Year 4 (25 Sept 2020) | ₹49,000 | ₹50,425 | +2.9% |
| Year 5 (27 Sept 2021) | ₹61,000 | ₹1,04,449 | +71.2% |
| Year 6 (26 Sept 2022) | ₹73,000 | ₹1,17,316 | +60.7% |
| Year 7 (25 Sept 2023) | ₹85,000 | ₹1,68,320 | +98% |
| Year 8 (25 Sept 2024) | ₹97,000 | ₹2,91,695 | +200.7% |
| Year 9 (25 Sept 2025) | ₹1,09,000 | ₹2,77,284 | +154.4% |
| Year 10 (25 Sept 2026) | ₹1,21,000 | ₹2,95,253 | +144% |
Best year of the journey: Year 5 (+67.3% market move) · Toughest year: Year 4 (-9.4%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Flexicap Fund (Direct)'s published NAV (source: AMFI) between 26 Sept 2016 and 25 Sept 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.