₹10,000 Monthly SIP in JM Focused Fund (Regular) for 20 Years
If you had started a ₹10,000/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
₹22,40,000
224 installments
Value today
₹69,60,612
7 Oct 2026
Absolute gain
+₹47,20,612
+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
₹49,50,015
Modelled at historical FD rates. The fund beat FD by ₹20,10,597.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Mar 2008) | ₹10,000 | ₹10,000 | +0% |
| Year 2 (8 Oct 2008) | ₹80,000 | ₹43,209 | -46% |
| Year 3 (7 Oct 2009) | ₹2,00,000 | ₹2,35,494 | +17.7% |
| Year 4 (13 Oct 2010) | ₹3,20,000 | ₹3,82,808 | +19.6% |
| Year 5 (7 Oct 2011) | ₹4,40,000 | ₹3,26,167 | -25.9% |
| Year 6 (8 Oct 2012) | ₹5,60,000 | ₹5,15,950 | -7.9% |
| Year 7 (7 Oct 2013) | ₹6,80,000 | ₹5,92,887 | -12.8% |
| Year 8 (7 Oct 2014) | ₹8,00,000 | ₹10,60,013 | +32.5% |
| Year 9 (7 Oct 2015) | ₹9,20,000 | ₹12,38,874 | +34.7% |
| Year 10 (7 Oct 2016) | ₹10,40,000 | ₹17,67,204 | +69.9% |
| Year 11 (9 Oct 2017) | ₹11,60,000 | ₹23,07,231 | +98.9% |
| Year 12 (8 Oct 2018) | ₹12,80,000 | ₹21,59,288 | +68.7% |
| Year 13 (7 Oct 2019) | ₹14,00,000 | ₹26,09,681 | +86.4% |
| Year 14 (7 Oct 2020) | ₹15,20,000 | ₹24,27,462 | +59.7% |
| Year 15 (7 Oct 2021) | ₹16,40,000 | ₹38,47,543 | +134.6% |
| Year 16 (7 Oct 2022) | ₹17,60,000 | ₹38,74,132 | +120.1% |
| Year 17 (9 Oct 2023) | ₹18,80,000 | ₹49,41,006 | +162.8% |
| Year 18 (7 Oct 2024) | ₹20,00,000 | ₹70,74,046 | +253.7% |
| Year 19 (7 Oct 2025) | ₹21,20,000 | ₹71,16,501 | +235.7% |
| Year 20 (7 Oct 2026) | ₹22,40,000 | ₹69,60,612 | +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.
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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 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.