₹1,000 Monthly SIP in JM Flexicap Fund (Regular) for 15 Years
If you had started a ₹1,000/month SIP on 10 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Flexicap Fund (Regular)'s actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹6,36,781
8 Oct 2026
Absolute gain
+₹4,55,781
+251.8%
XIRR (annualised)
15.33%
money-weighted
The journey, month by month
Worst fall on the way
-34.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
10
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,34,869
Modelled at historical FD rates. The fund beat FD by ₹3,01,912.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹13,000 | ₹14,210 | +9.3% |
| Year 2 (8 Oct 2013) | ₹25,000 | ₹25,614 | +2.5% |
| Year 3 (8 Oct 2014) | ₹37,000 | ₹54,893 | +48.4% |
| Year 4 (8 Oct 2015) | ₹49,000 | ₹71,098 | +45.1% |
| Year 5 (10 Oct 2016) | ₹61,000 | ₹1,00,607 | +64.9% |
| Year 6 (9 Oct 2017) | ₹73,000 | ₹1,36,534 | +87% |
| Year 7 (8 Oct 2018) | ₹85,000 | ₹1,32,505 | +55.9% |
| Year 8 (9 Oct 2019) | ₹97,000 | ₹1,74,239 | +79.6% |
| Year 9 (8 Oct 2020) | ₹1,09,000 | ₹1,76,989 | +62.4% |
| Year 10 (8 Oct 2021) | ₹1,21,000 | ₹3,12,209 | +158% |
| Year 11 (10 Oct 2022) | ₹1,33,000 | ₹3,25,061 | +144.4% |
| Year 12 (9 Oct 2023) | ₹1,45,000 | ₹4,30,554 | +196.9% |
| Year 13 (8 Oct 2024) | ₹1,57,000 | ₹6,84,802 | +336.2% |
| Year 14 (8 Oct 2025) | ₹1,69,000 | ₹6,43,353 | +280.7% |
| Year 15 (8 Oct 2026) | ₹1,81,000 | ₹6,36,781 | +251.8% |
Best year of the journey: Year 10 (+65.2% market move) · Toughest year: Year 7 (-10.8%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Flexicap Fund (Regular)'s published NAV (source: AMFI) between 10 Oct 2011 and 8 Oct 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.