₹25,000 Monthly SIP in JM Focused Fund (Direct) for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹57,82,040
5 Oct 2026
Absolute gain
+₹27,57,040
+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
₹41,97,003
Modelled at historical FD rates. The fund beat FD by ₹15,85,037.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹3,25,000 | ₹3,81,769 | +17.5% |
| Year 2 (5 Oct 2018) | ₹6,25,000 | ₹6,13,667 | -1.8% |
| Year 3 (7 Oct 2019) | ₹9,25,000 | ₹10,32,043 | +11.6% |
| Year 4 (5 Oct 2020) | ₹12,25,000 | ₹12,04,710 | -1.7% |
| Year 5 (5 Oct 2021) | ₹15,25,000 | ₹22,27,216 | +46% |
| Year 6 (6 Oct 2022) | ₹18,25,000 | ₹25,18,396 | +38% |
| Year 7 (5 Oct 2023) | ₹21,25,000 | ₹35,08,471 | +65.1% |
| Year 8 (7 Oct 2024) | ₹24,25,000 | ₹53,20,778 | +119.4% |
| Year 9 (6 Oct 2025) | ₹27,25,000 | ₹56,35,839 | +106.8% |
| Year 10 (5 Oct 2026) | ₹30,25,000 | ₹57,82,040 | +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.