₹1,000 Monthly SIP in JM Focused Fund (Regular) for 20 Years
If you had started a ₹1,000/month SIP on 5 Mar 2008 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Regular)'s actual NAV for all 224 installments.
You invested
₹2,24,000
224 installments
Value today
₹6,96,061
7 Oct 2026
Absolute gain
+₹4,72,061
+210.7%
XIRR (annualised)
11.09%
money-weighted
The journey, month by month
Worst fall on the way
-48%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
20
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,95,002
Modelled at historical FD rates. The fund beat FD by ₹2,01,059.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Mar 2008) | ₹1,000 | ₹1,000 | +0% |
| Year 2 (8 Oct 2008) | ₹8,000 | ₹4,321 | -46% |
| Year 3 (7 Oct 2009) | ₹20,000 | ₹23,549 | +17.7% |
| Year 4 (13 Oct 2010) | ₹32,000 | ₹38,281 | +19.6% |
| Year 5 (7 Oct 2011) | ₹44,000 | ₹32,617 | -25.9% |
| Year 6 (8 Oct 2012) | ₹56,000 | ₹51,595 | -7.9% |
| Year 7 (7 Oct 2013) | ₹68,000 | ₹59,289 | -12.8% |
| Year 8 (7 Oct 2014) | ₹80,000 | ₹1,06,001 | +32.5% |
| Year 9 (7 Oct 2015) | ₹92,000 | ₹1,23,887 | +34.7% |
| Year 10 (7 Oct 2016) | ₹1,04,000 | ₹1,76,720 | +69.9% |
| Year 11 (9 Oct 2017) | ₹1,16,000 | ₹2,30,723 | +98.9% |
| Year 12 (8 Oct 2018) | ₹1,28,000 | ₹2,15,929 | +68.7% |
| Year 13 (7 Oct 2019) | ₹1,40,000 | ₹2,60,968 | +86.4% |
| Year 14 (7 Oct 2020) | ₹1,52,000 | ₹2,42,746 | +59.7% |
| Year 15 (7 Oct 2021) | ₹1,64,000 | ₹3,84,754 | +134.6% |
| Year 16 (7 Oct 2022) | ₹1,76,000 | ₹3,87,413 | +120.1% |
| Year 17 (9 Oct 2023) | ₹1,88,000 | ₹4,94,101 | +162.8% |
| Year 18 (7 Oct 2024) | ₹2,00,000 | ₹7,07,405 | +253.7% |
| Year 19 (7 Oct 2025) | ₹2,12,000 | ₹7,11,650 | +235.7% |
| Year 20 (7 Oct 2026) | ₹2,24,000 | ₹6,96,061 | +210.7% |
Best year of the journey: Year 15 (+51% market move) · Toughest year: Year 2 (-46%)
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 (Regular)'s published NAV (source: AMFI) between 5 Mar 2008 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.