₹10,000 Monthly SIP in JM Focused Fund (Direct) for 5 Years
If you had started a ₹10,000/month SIP on 5 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Direct)'s actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,96,990
5 Oct 2026
Absolute gain
+₹1,86,990
+30.7%
XIRR (annualised)
10.75%
money-weighted
The journey, month by month
Worst fall on the way
-15.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,072
Modelled at historical FD rates. The fund beat FD by ₹80,918.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹1,30,000 | ₹1,33,804 | +2.9% |
| Year 2 (5 Oct 2023) | ₹2,50,000 | ₹3,05,426 | +22.2% |
| Year 3 (7 Oct 2024) | ₹3,70,000 | ₹5,70,053 | +54.1% |
| Year 4 (6 Oct 2025) | ₹4,90,000 | ₹6,96,176 | +42.1% |
| Year 5 (5 Oct 2026) | ₹6,10,000 | ₹7,96,990 | +30.7% |
Best year of the journey: Year 3 (+34% market move) · Toughest year: Year 5 (-2.4%)
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 2021 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.