₹25,000 Monthly SIP in JM Overnight Fund - (Direct) - Unclaimed Redemption for 5 Years
If you had started a ₹25,000/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 Redemption's actual NAV for all 58 installments.
You invested
₹14,50,000
58 installments
Value today
₹16,64,812
7 Oct 2026
Absolute gain
+₹2,14,812
+14.8%
XIRR (annualised)
5.82%
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
₹16,93,220
Modelled at historical FD rates. The fund trailed FD by ₹28,408.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹2,50,000 | ₹2,54,452 | +1.8% |
| Year 2 (8 Oct 2023) | ₹5,50,000 | ₹5,80,353 | +5.5% |
| Year 3 (7 Oct 2024) | ₹8,50,000 | ₹9,28,593 | +9.2% |
| Year 4 (7 Oct 2025) | ₹11,50,000 | ₹12,92,277 | +12.4% |
| Year 5 (7 Oct 2026) | ₹14,00,000 | ₹16,14,152 | +15.3% |
Best year of the journey: Year 3 (+5.5% 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 Redemption's published NAV (source: AMFI) between 24 Jan 2022 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.