₹10,000 Monthly SIP in JM Flexicap Fund (Direct) for 5 Years
If you had started a ₹10,000/month SIP on 21 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Flexicap Fund (Direct)'s actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹8,78,659
21 Sept 2026
Absolute gain
+₹2,68,659
+44%
XIRR (annualised)
14.48%
money-weighted
The journey, month by month
Worst fall on the way
-16.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,17,347
Modelled at historical FD rates. The fund beat FD by ₹1,61,312.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2022) | ₹1,30,000 | ₹1,39,606 | +7.4% |
| Year 2 (21 Sept 2023) | ₹2,50,000 | ₹3,17,051 | +26.8% |
| Year 3 (23 Sept 2024) | ₹3,70,000 | ₹6,75,564 | +82.6% |
| Year 4 (22 Sept 2025) | ₹4,90,000 | ₹7,44,849 | +52% |
| Year 5 (21 Sept 2026) | ₹6,10,000 | ₹8,78,659 | +44% |
Best year of the journey: Year 3 (+54.6% market move) · Toughest year: Year 4 (-6.4%)
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 21 Sept 2021 and 21 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.