₹25,000 Monthly SIP in JM Short Term Fund (Direct) for 5 Years
If you had started a ₹25,000/month SIP on 28 Sept 2015 and never stopped — through every crash and rally — here is exactly what happened, using JM Short Term Fund (Direct)'s actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹17,13,272
25 Sept 2020
Absolute gain
+₹1,88,272
+12.3%
XIRR (annualised)
4.56%
money-weighted
The journey, month by month
Worst fall on the way
-5.5%
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
₹18,17,182
Modelled at historical FD rates. The fund trailed FD by ₹1,03,910.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2016) | ₹3,25,000 | ₹3,44,789 | +6.1% |
| Year 2 (25 Sept 2017) | ₹6,25,000 | ₹6,80,013 | +8.8% |
| Year 3 (25 Sept 2018) | ₹9,25,000 | ₹10,19,296 | +10.2% |
| Year 4 (25 Sept 2019) | ₹12,25,000 | ₹13,37,488 | +9.2% |
| Year 5 (25 Sept 2020) | ₹15,25,000 | ₹17,13,272 | +12.3% |
Best year of the journey: Year 1 (+6.1% market move) · Toughest year: Year 4 (1.4%)
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 Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Short Term Fund (Direct)'s published NAV (source: AMFI) between 28 Sept 2015 and 25 Sept 2020; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.