₹10,000 Monthly SIP in JM Flexicap Fund (Direct) for 5 Years
If you had started a ₹10,000/month SIP on 5 Jul 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
₹8,91,987
3 Jul 2026
Absolute gain
+₹2,81,987
+46.2%
XIRR (annualised)
15.39%
money-weighted
The journey, month by month
Worst fall on the way
-16.9%
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
₹7,13,521
Modelled at historical FD rates. The fund beat FD by ₹1,78,466.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹1,30,000 | ₹1,24,816 | -4% |
| Year 2 (3 Jul 2023) | ₹2,50,000 | ₹3,01,826 | +20.7% |
| Year 3 (3 Jul 2024) | ₹3,70,000 | ₹6,74,163 | +82.2% |
| Year 4 (3 Jul 2025) | ₹4,90,000 | ₹7,65,883 | +56.3% |
| Year 5 (3 Jul 2026) | ₹6,10,000 | ₹8,91,987 | +46.2% |
Best year of the journey: Year 3 (+59.8% market move) · Toughest year: Year 1 (-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 5 Jul 2021 and 3 Jul 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.