₹5,000 Monthly SIP in JM Focused Fund (Regular) for 20 Years
If you had started a ₹5,000/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
₹11,20,000
224 installments
Value today
₹34,80,306
7 Oct 2026
Absolute gain
+₹23,60,306
+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
₹24,75,008
Modelled at historical FD rates. The fund beat FD by ₹10,05,298.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Mar 2008) | ₹5,000 | ₹5,000 | +0% |
| Year 2 (8 Oct 2008) | ₹40,000 | ₹21,605 | -46% |
| Year 3 (7 Oct 2009) | ₹1,00,000 | ₹1,17,747 | +17.7% |
| Year 4 (13 Oct 2010) | ₹1,60,000 | ₹1,91,404 | +19.6% |
| Year 5 (7 Oct 2011) | ₹2,20,000 | ₹1,63,083 | -25.9% |
| Year 6 (8 Oct 2012) | ₹2,80,000 | ₹2,57,975 | -7.9% |
| Year 7 (7 Oct 2013) | ₹3,40,000 | ₹2,96,443 | -12.8% |
| Year 8 (7 Oct 2014) | ₹4,00,000 | ₹5,30,007 | +32.5% |
| Year 9 (7 Oct 2015) | ₹4,60,000 | ₹6,19,437 | +34.7% |
| Year 10 (7 Oct 2016) | ₹5,20,000 | ₹8,83,602 | +69.9% |
| Year 11 (9 Oct 2017) | ₹5,80,000 | ₹11,53,615 | +98.9% |
| Year 12 (8 Oct 2018) | ₹6,40,000 | ₹10,79,644 | +68.7% |
| Year 13 (7 Oct 2019) | ₹7,00,000 | ₹13,04,840 | +86.4% |
| Year 14 (7 Oct 2020) | ₹7,60,000 | ₹12,13,731 | +59.7% |
| Year 15 (7 Oct 2021) | ₹8,20,000 | ₹19,23,772 | +134.6% |
| Year 16 (7 Oct 2022) | ₹8,80,000 | ₹19,37,066 | +120.1% |
| Year 17 (9 Oct 2023) | ₹9,40,000 | ₹24,70,503 | +162.8% |
| Year 18 (7 Oct 2024) | ₹10,00,000 | ₹35,37,023 | +253.7% |
| Year 19 (7 Oct 2025) | ₹10,60,000 | ₹35,58,250 | +235.7% |
| Year 20 (7 Oct 2026) | ₹11,20,000 | ₹34,80,306 | +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.