₹5,000 Monthly SIP in JM Flexicap Fund (Regular) for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹32,66,578
7 Oct 2026
Absolute gain
+₹23,61,578
+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
₹16,74,031
Modelled at historical FD rates. The fund beat FD by ₹15,92,547.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹65,000 | ₹71,168 | +9.5% |
| Year 2 (7 Oct 2013) | ₹1,25,000 | ₹1,27,623 | +2.1% |
| Year 3 (7 Oct 2014) | ₹1,85,000 | ₹2,74,240 | +48.2% |
| Year 4 (7 Oct 2015) | ₹2,45,000 | ₹3,57,138 | +45.8% |
| Year 5 (7 Oct 2016) | ₹3,05,000 | ₹5,03,076 | +64.9% |
| Year 6 (9 Oct 2017) | ₹3,65,000 | ₹6,82,956 | +87.1% |
| Year 7 (8 Oct 2018) | ₹4,25,000 | ₹6,62,779 | +55.9% |
| Year 8 (7 Oct 2019) | ₹4,85,000 | ₹8,56,754 | +76.7% |
| Year 9 (7 Oct 2020) | ₹5,45,000 | ₹8,81,373 | +61.7% |
| Year 10 (7 Oct 2021) | ₹6,05,000 | ₹15,51,845 | +156.5% |
| Year 11 (7 Oct 2022) | ₹6,65,000 | ₹16,33,578 | +145.7% |
| Year 12 (9 Oct 2023) | ₹7,25,000 | ₹21,53,401 | +197% |
| Year 13 (7 Oct 2024) | ₹7,85,000 | ₹33,58,616 | +327.8% |
| Year 14 (7 Oct 2025) | ₹8,45,000 | ₹32,40,128 | +283.4% |
| Year 15 (7 Oct 2026) | ₹9,05,000 | ₹32,66,578 | +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.