₹10,000 Monthly SIP in JM Focused Fund (Direct) for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹23,12,816
5 Oct 2026
Absolute gain
+₹11,02,816
+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
₹16,78,801
Modelled at historical FD rates. The fund beat FD by ₹6,34,015.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹1,30,000 | ₹1,52,707 | +17.5% |
| Year 2 (5 Oct 2018) | ₹2,50,000 | ₹2,45,467 | -1.8% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹4,12,817 | +11.6% |
| Year 4 (5 Oct 2020) | ₹4,90,000 | ₹4,81,884 | -1.7% |
| Year 5 (5 Oct 2021) | ₹6,10,000 | ₹8,90,886 | +46% |
| Year 6 (6 Oct 2022) | ₹7,30,000 | ₹10,07,359 | +38% |
| Year 7 (5 Oct 2023) | ₹8,50,000 | ₹14,03,388 | +65.1% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹21,28,311 | +119.4% |
| Year 9 (6 Oct 2025) | ₹10,90,000 | ₹22,54,336 | +106.8% |
| Year 10 (5 Oct 2026) | ₹12,10,000 | ₹23,12,816 | +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.
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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.