₹10,000 Monthly SIP in JM Flexicap Fund (Regular) for 15 Years
If you had started a ₹10,000/month SIP on 7 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
₹18,10,000
181 installments
Value today
₹65,33,156
7 Oct 2026
Absolute gain
+₹47,23,156
+260.9%
XIRR (annualised)
15.63%
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
₹33,48,062
Modelled at historical FD rates. The fund beat FD by ₹31,85,094.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,42,337 | +9.5% |
| Year 2 (7 Oct 2013) | ₹2,50,000 | ₹2,55,246 | +2.1% |
| Year 3 (7 Oct 2014) | ₹3,70,000 | ₹5,48,480 | +48.2% |
| Year 4 (7 Oct 2015) | ₹4,90,000 | ₹7,14,277 | +45.8% |
| Year 5 (7 Oct 2016) | ₹6,10,000 | ₹10,06,151 | +64.9% |
| Year 6 (9 Oct 2017) | ₹7,30,000 | ₹13,65,912 | +87.1% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹13,25,557 | +55.9% |
| Year 8 (7 Oct 2019) | ₹9,70,000 | ₹17,13,507 | +76.7% |
| Year 9 (7 Oct 2020) | ₹10,90,000 | ₹17,62,746 | +61.7% |
| Year 10 (7 Oct 2021) | ₹12,10,000 | ₹31,03,690 | +156.5% |
| Year 11 (7 Oct 2022) | ₹13,30,000 | ₹32,67,156 | +145.7% |
| Year 12 (9 Oct 2023) | ₹14,50,000 | ₹43,06,802 | +197% |
| Year 13 (7 Oct 2024) | ₹15,70,000 | ₹67,17,232 | +327.8% |
| Year 14 (7 Oct 2025) | ₹16,90,000 | ₹64,80,256 | +283.4% |
| Year 15 (7 Oct 2026) | ₹18,10,000 | ₹65,33,156 | +260.9% |
Best year of the journey: Year 10 (+64.8% 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.
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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 (Regular)'s published NAV (source: AMFI) between 7 Oct 2011 and 7 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.