₹1,000 Monthly SIP in JM Focused Fund (Regular) for 3 Years
If you had started a ₹1,000/month SIP on 9 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Regular)'s actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹38,287
7 Oct 2026
Absolute gain
+₹1,287
+3.5%
XIRR (annualised)
2.27%
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
₹41,121
Modelled at historical FD rates. The fund trailed FD by ₹2,834.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹13,000 | ₹14,964 | +15.1% |
| Year 2 (7 Oct 2025) | ₹25,000 | ₹27,363 | +9.5% |
| Year 3 (7 Oct 2026) | ₹37,000 | ₹38,287 | +3.5% |
Best year of the journey: Year 1 (+15.1% market move) · Toughest year: Year 3 (-2.7%)
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 9 Oct 2023 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.