₹10,000 Monthly SIP in JM Focused Fund (Regular) for 15 Years
If you had started a ₹10,000/month SIP on 7 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Focused Fund (Regular)'s actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹49,40,445
7 Oct 2026
Absolute gain
+₹31,30,445
+173%
XIRR (annualised)
12.39%
money-weighted
The journey, month by month
Worst fall on the way
-37.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
11
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹33,48,062
Modelled at historical FD rates. The fund beat FD by ₹15,92,383.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,45,260 | +11.7% |
| Year 2 (7 Oct 2013) | ₹2,50,000 | ₹2,48,386 | -0.6% |
| Year 3 (7 Oct 2014) | ₹3,70,000 | ₹5,28,024 | +42.7% |
| Year 4 (7 Oct 2015) | ₹4,90,000 | ₹6,73,588 | +37.5% |
| Year 5 (7 Oct 2016) | ₹6,10,000 | ₹10,28,218 | +68.6% |
| Year 6 (9 Oct 2017) | ₹7,30,000 | ₹14,01,433 | +92% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹13,53,575 | +59.2% |
| Year 8 (7 Oct 2019) | ₹9,70,000 | ₹16,81,962 | +73.4% |
| Year 9 (7 Oct 2020) | ₹10,90,000 | ₹16,06,396 | +47.4% |
| Year 10 (7 Oct 2021) | ₹12,10,000 | ₹25,94,810 | +114.4% |
| Year 11 (7 Oct 2022) | ₹13,30,000 | ₹26,53,017 | +99.5% |
| Year 12 (9 Oct 2023) | ₹14,50,000 | ₹34,26,588 | +136.3% |
| Year 13 (7 Oct 2024) | ₹15,70,000 | ₹49,47,413 | +215.1% |
| Year 14 (7 Oct 2025) | ₹16,90,000 | ₹50,14,907 | +196.7% |
| Year 15 (7 Oct 2026) | ₹18,10,000 | ₹49,40,445 | +173% |
Best year of the journey: Year 10 (+50.3% market move) · Toughest year: Year 7 (-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 2011 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.