₹10,000 Monthly SIP in JM Overnight Fund - (Direct) - Unclaimed Redemption for 3 Years
If you had started a ₹10,000/month SIP on 8 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using JM Overnight Fund - (Direct) - Unclaimed Redemption's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,01,899
7 Oct 2026
Absolute gain
+₹31,899
+8.6%
XIRR (annualised)
5.55%
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
₹4,11,081
Modelled at historical FD rates. The fund trailed FD by ₹9,182.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹1,30,000 | ₹1,34,405 | +3.4% |
| Year 2 (7 Oct 2025) | ₹2,50,000 | ₹2,65,668 | +6.3% |
| Year 3 (7 Oct 2026) | ₹3,50,000 | ₹3,81,635 | +9% |
Best year of the journey: Year 2 (+4.4% market move) · Toughest year: Year 1 (3.4%)
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 Redemption's published NAV (source: AMFI) between 8 Oct 2023 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.