₹10,000 Monthly SIP in JM Overnight Fund - (Direct) - Unclaimed IDCW for 5 Years
If you had started a ₹10,000/month SIP on 24 Jan 2022 and never stopped — through every crash and rally — here is exactly what happened, using JM Overnight Fund - (Direct) - Unclaimed IDCW's actual NAV for all 58 installments.
You invested
₹5,80,000
58 installments
Value today
₹6,66,773
8 Oct 2026
Absolute gain
+₹86,773
+15%
XIRR (annualised)
5.87%
money-weighted
The journey, month by month
Worst fall on the way
0%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹6,77,408
Modelled at historical FD rates. The fund trailed FD by ₹10,635.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2022) | ₹1,00,000 | ₹1,01,814 | +1.8% |
| Year 2 (8 Oct 2023) | ₹2,20,000 | ₹2,32,382 | +5.6% |
| Year 3 (8 Oct 2024) | ₹3,40,000 | ₹3,72,838 | +9.7% |
| Year 4 (8 Oct 2025) | ₹4,60,000 | ₹5,18,503 | +12.7% |
| Year 5 (8 Oct 2026) | ₹5,60,000 | ₹6,46,509 | +15.4% |
Best year of the journey: Year 3 (+5.8% market move) · Toughest year: Year 1 (1.8%)
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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Same SIP in other Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Overnight Fund - (Direct) - Unclaimed IDCW's published NAV (source: AMFI) between 24 Jan 2022 and 8 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.