₹25,000 Monthly SIP in JM Focused Fund (Direct) for 3 Years
If you had started a ₹25,000/month SIP on 5 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Direct)'s actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹9,72,827
5 Oct 2026
Absolute gain
+₹47,827
+5.2%
XIRR (annualised)
3.37%
money-weighted
The journey, month by month
Worst fall on the way
-12.9%
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
₹10,27,669
Modelled at historical FD rates. The fund trailed FD by ₹54,842.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹3,25,000 | ₹3,76,941 | +16% |
| Year 2 (6 Oct 2025) | ₹6,25,000 | ₹6,92,316 | +10.8% |
| Year 3 (5 Oct 2026) | ₹9,25,000 | ₹9,72,827 | +5.2% |
Best year of the journey: Year 1 (+16% market move) · Toughest year: Year 3 (-2%)
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 2023 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.