₹1,000 Monthly SIP in JM Short Term Fund for 10 Years
If you had started a ₹1,000/month SIP on 27 Sept 2010 and never stopped — through every crash and rally — here is exactly what happened, using JM Short Term Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,11,197
25 Sept 2020
Absolute gain
₹-9,803
-8.1%
XIRR (annualised)
-1.68%
money-weighted
The journey, month by month
Worst fall on the way
-9.3%
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
₹1,85,685
Modelled at historical FD rates. The fund trailed FD by ₹74,488.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2011) | ₹13,000 | ₹13,070 | +0.5% |
| Year 2 (25 Sept 2012) | ₹25,000 | ₹25,143 | +0.6% |
| Year 3 (25 Sept 2013) | ₹37,000 | ₹37,081 | +0.2% |
| Year 4 (25 Sept 2014) | ₹49,000 | ₹49,049 | +0.1% |
| Year 5 (28 Sept 2015) | ₹61,000 | ₹61,064 | +0.1% |
| Year 6 (26 Sept 2016) | ₹73,000 | ₹73,257 | +0.4% |
| Year 7 (25 Sept 2017) | ₹85,000 | ₹84,981 | +0% |
| Year 8 (25 Sept 2018) | ₹97,000 | ₹96,843 | -0.2% |
| Year 9 (25 Sept 2019) | ₹1,09,000 | ₹1,05,356 | -3.3% |
| Year 10 (25 Sept 2020) | ₹1,21,000 | ₹1,11,197 | -8.1% |
Best year of the journey: Year 1 (+0.5% market move) · Toughest year: Year 10 (-5.2%)
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's published NAV (source: AMFI) between 27 Sept 2010 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.