₹5,000 Monthly SIP in JM Flexicap Fund (Direct) for 3 Years
If you had started a ₹5,000/month SIP on 18 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using JM Flexicap Fund (Direct)'s actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,05,239
18 Sept 2026
Absolute gain
+₹20,239
+10.9%
XIRR (annualised)
6.84%
money-weighted
The journey, month by month
Worst fall on the way
-13.6%
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
₹2,06,030
Modelled at historical FD rates. The fund trailed FD by ₹791.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2024) | ₹65,000 | ₹84,322 | +29.7% |
| Year 2 (18 Sept 2025) | ₹1,25,000 | ₹1,41,447 | +13.2% |
| Year 3 (18 Sept 2026) | ₹1,85,000 | ₹2,05,239 | +10.9% |
Best year of the journey: Year 1 (+29.7% market move) · Toughest year: Year 2 (-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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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 18 Sept 2023 and 18 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.