₹25,000 Monthly SIP in JM Flexicap Fund (Direct) for 10 Years
If you had started a ₹25,000/month SIP on 16 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
₹30,25,000
121 installments
Value today
₹72,97,575
16 Sept 2026
Absolute gain
+₹42,72,575
+141.2%
XIRR (annualised)
16.76%
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
₹42,07,630
Modelled at historical FD rates. The fund beat FD by ₹30,89,945.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹3,25,000 | ₹3,89,393 | +19.8% |
| Year 2 (17 Sept 2018) | ₹6,25,000 | ₹7,00,029 | +12% |
| Year 3 (16 Sept 2019) | ₹9,25,000 | ₹10,14,620 | +9.7% |
| Year 4 (16 Sept 2020) | ₹12,25,000 | ₹13,39,172 | +9.3% |
| Year 5 (16 Sept 2021) | ₹15,25,000 | ₹25,90,214 | +69.9% |
| Year 6 (16 Sept 2022) | ₹18,25,000 | ₹30,42,201 | +66.7% |
| Year 7 (18 Sept 2023) | ₹21,25,000 | ₹42,69,173 | +100.9% |
| Year 8 (16 Sept 2024) | ₹24,25,000 | ₹72,00,374 | +196.9% |
| Year 9 (16 Sept 2025) | ₹27,25,000 | ₹70,39,928 | +158.3% |
| Year 10 (16 Sept 2026) | ₹30,25,000 | ₹72,97,575 | +141.2% |
Best year of the journey: Year 5 (+58% market move) · Toughest year: Year 9 (-6.1%)
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 16 Sept 2016 and 16 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.