₹1,000 Monthly SIP in JM Focused Fund (Direct) for 10 Years
If you had started a ₹1,000/month SIP on 5 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Direct)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,31,282
5 Oct 2026
Absolute gain
+₹1,10,282
+91.1%
XIRR (annualised)
12.5%
money-weighted
The journey, month by month
Worst fall on the way
-36%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,880
Modelled at historical FD rates. The fund beat FD by ₹63,402.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹13,000 | ₹15,271 | +17.5% |
| Year 2 (5 Oct 2018) | ₹25,000 | ₹24,547 | -1.8% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹41,282 | +11.6% |
| Year 4 (5 Oct 2020) | ₹49,000 | ₹48,188 | -1.7% |
| Year 5 (5 Oct 2021) | ₹61,000 | ₹89,089 | +46% |
| Year 6 (6 Oct 2022) | ₹73,000 | ₹1,00,736 | +38% |
| Year 7 (5 Oct 2023) | ₹85,000 | ₹1,40,339 | +65.1% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹2,12,831 | +119.4% |
| Year 9 (6 Oct 2025) | ₹1,09,000 | ₹2,25,434 | +106.8% |
| Year 10 (5 Oct 2026) | ₹1,21,000 | ₹2,31,282 | +91.1% |
Best year of the journey: Year 5 (+48% market move) · Toughest year: Year 2 (-10%)
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 Focused Fund (Direct)'s published NAV (source: AMFI) between 5 Oct 2016 and 5 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.