₹25,000 Monthly SIP in JM Flexicap Fund (Regular) for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹1,59,19,530
8 Oct 2026
Absolute gain
+₹1,13,94,530
+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
₹83,71,729
Modelled at historical FD rates. The fund beat FD by ₹75,47,801.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹3,25,000 | ₹3,55,256 | +9.3% |
| Year 2 (8 Oct 2013) | ₹6,25,000 | ₹6,40,346 | +2.5% |
| Year 3 (8 Oct 2014) | ₹9,25,000 | ₹13,72,329 | +48.4% |
| Year 4 (8 Oct 2015) | ₹12,25,000 | ₹17,77,451 | +45.1% |
| Year 5 (10 Oct 2016) | ₹15,25,000 | ₹25,15,173 | +64.9% |
| Year 6 (9 Oct 2017) | ₹18,25,000 | ₹34,13,349 | +87% |
| Year 7 (8 Oct 2018) | ₹21,25,000 | ₹33,12,617 | +55.9% |
| Year 8 (9 Oct 2019) | ₹24,25,000 | ₹43,55,987 | +79.6% |
| Year 9 (8 Oct 2020) | ₹27,25,000 | ₹44,24,735 | +62.4% |
| Year 10 (8 Oct 2021) | ₹30,25,000 | ₹78,05,221 | +158% |
| Year 11 (10 Oct 2022) | ₹33,25,000 | ₹81,26,514 | +144.4% |
| Year 12 (9 Oct 2023) | ₹36,25,000 | ₹1,07,63,846 | +196.9% |
| Year 13 (8 Oct 2024) | ₹39,25,000 | ₹1,71,20,048 | +336.2% |
| Year 14 (8 Oct 2025) | ₹42,25,000 | ₹1,60,83,815 | +280.7% |
| Year 15 (8 Oct 2026) | ₹45,25,000 | ₹1,59,19,530 | +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.
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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 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.