₹1,000 Monthly SIP in JM Focused Fund (Regular) for 10 Years
If you had started a ₹1,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Regular)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,15,694
7 Oct 2026
Absolute gain
+₹94,694
+78.3%
XIRR (annualised)
11.17%
money-weighted
The journey, month by month
Worst fall on the way
-36.1%
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
₹1,67,937
Modelled at historical FD rates. The fund beat FD by ₹47,757.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹13,000 | ₹15,337 | +18% |
| Year 2 (8 Oct 2018) | ₹25,000 | ₹24,342 | -2.6% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹40,370 | +9.1% |
| Year 4 (7 Oct 2020) | ₹49,000 | ₹47,508 | -3% |
| Year 5 (7 Oct 2021) | ₹61,000 | ₹86,872 | +42.4% |
| Year 6 (7 Oct 2022) | ₹73,000 | ₹97,050 | +32.9% |
| Year 7 (9 Oct 2023) | ₹85,000 | ₹1,33,994 | +57.6% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹2,01,722 | +108% |
| Year 9 (7 Oct 2025) | ₹1,09,000 | ₹2,11,921 | +94.4% |
| Year 10 (7 Oct 2026) | ₹1,21,000 | ₹2,15,694 | +78.3% |
Best year of the journey: Year 5 (+46% market move) · Toughest year: Year 2 (-11%)
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 (Regular)'s published NAV (source: AMFI) between 7 Oct 2016 and 7 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.