₹25,000 Monthly SIP in JM Focused Fund (Regular) for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹1,23,51,113
7 Oct 2026
Absolute gain
+₹78,26,113
+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
₹83,70,155
Modelled at historical FD rates. The fund beat FD by ₹39,80,958.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹3,25,000 | ₹3,63,150 | +11.7% |
| Year 2 (7 Oct 2013) | ₹6,25,000 | ₹6,20,965 | -0.6% |
| Year 3 (7 Oct 2014) | ₹9,25,000 | ₹13,20,059 | +42.7% |
| Year 4 (7 Oct 2015) | ₹12,25,000 | ₹16,83,970 | +37.5% |
| Year 5 (7 Oct 2016) | ₹15,25,000 | ₹25,70,544 | +68.6% |
| Year 6 (9 Oct 2017) | ₹18,25,000 | ₹35,03,582 | +92% |
| Year 7 (8 Oct 2018) | ₹21,25,000 | ₹33,83,937 | +59.2% |
| Year 8 (7 Oct 2019) | ₹24,25,000 | ₹42,04,904 | +73.4% |
| Year 9 (7 Oct 2020) | ₹27,25,000 | ₹40,15,990 | +47.4% |
| Year 10 (7 Oct 2021) | ₹30,25,000 | ₹64,87,026 | +114.4% |
| Year 11 (7 Oct 2022) | ₹33,25,000 | ₹66,32,543 | +99.5% |
| Year 12 (9 Oct 2023) | ₹36,25,000 | ₹85,66,470 | +136.3% |
| Year 13 (7 Oct 2024) | ₹39,25,000 | ₹1,23,68,533 | +215.1% |
| Year 14 (7 Oct 2025) | ₹42,25,000 | ₹1,25,37,267 | +196.7% |
| Year 15 (7 Oct 2026) | ₹45,25,000 | ₹1,23,51,113 | +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.