₹5,000 Monthly SIP in JM Focused Fund (Regular) for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹24,70,223
7 Oct 2026
Absolute gain
+₹15,65,223
+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
₹16,74,031
Modelled at historical FD rates. The fund beat FD by ₹7,96,192.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹65,000 | ₹72,630 | +11.7% |
| Year 2 (7 Oct 2013) | ₹1,25,000 | ₹1,24,193 | -0.6% |
| Year 3 (7 Oct 2014) | ₹1,85,000 | ₹2,64,012 | +42.7% |
| Year 4 (7 Oct 2015) | ₹2,45,000 | ₹3,36,794 | +37.5% |
| Year 5 (7 Oct 2016) | ₹3,05,000 | ₹5,14,109 | +68.6% |
| Year 6 (9 Oct 2017) | ₹3,65,000 | ₹7,00,716 | +92% |
| Year 7 (8 Oct 2018) | ₹4,25,000 | ₹6,76,787 | +59.2% |
| Year 8 (7 Oct 2019) | ₹4,85,000 | ₹8,40,981 | +73.4% |
| Year 9 (7 Oct 2020) | ₹5,45,000 | ₹8,03,198 | +47.4% |
| Year 10 (7 Oct 2021) | ₹6,05,000 | ₹12,97,405 | +114.4% |
| Year 11 (7 Oct 2022) | ₹6,65,000 | ₹13,26,509 | +99.5% |
| Year 12 (9 Oct 2023) | ₹7,25,000 | ₹17,13,294 | +136.3% |
| Year 13 (7 Oct 2024) | ₹7,85,000 | ₹24,73,707 | +215.1% |
| Year 14 (7 Oct 2025) | ₹8,45,000 | ₹25,07,453 | +196.7% |
| Year 15 (7 Oct 2026) | ₹9,05,000 | ₹24,70,223 | +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.