₹5,000 Monthly SIP in JM Overnight Fund - (Direct) - Unclaimed Redemption for 3 Years
If you had started a ₹5,000/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
₹1,85,000
37 installments
Value today
₹2,00,949
7 Oct 2026
Absolute gain
+₹15,949
+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
₹2,05,541
Modelled at historical FD rates. The fund trailed FD by ₹4,592.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹65,000 | ₹67,202 | +3.4% |
| Year 2 (7 Oct 2025) | ₹1,25,000 | ₹1,32,834 | +6.3% |
| Year 3 (7 Oct 2026) | ₹1,75,000 | ₹1,90,817 | +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.
Try a different amount
Try a different duration
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.