₹1,000 Monthly SIP in JM Short Term Fund for 15 Years
If you had started a ₹1,000/month SIP on 3 Apr 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Short Term Fund's actual NAV for all 174 installments.
You invested
₹1,74,000
174 installments
Value today
₹1,60,969
25 Sept 2020
Absolute gain
₹-13,031
-7.5%
XIRR (annualised)
-1.08%
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
₹3,21,987
Modelled at historical FD rates. The fund trailed FD by ₹1,61,018.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2006) | ₹6,000 | ₹6,116 | +1.9% |
| Year 2 (25 Sept 2007) | ₹18,000 | ₹18,645 | +3.6% |
| Year 3 (25 Sept 2008) | ₹30,000 | ₹30,270 | +0.9% |
| Year 4 (25 Sept 2009) | ₹42,000 | ₹42,667 | +1.6% |
| Year 5 (27 Sept 2010) | ₹54,000 | ₹54,978 | +1.8% |
| Year 6 (26 Sept 2011) | ₹66,000 | ₹67,443 | +2.2% |
| Year 7 (25 Sept 2012) | ₹78,000 | ₹79,735 | +2.2% |
| Year 8 (25 Sept 2013) | ₹90,000 | ₹91,558 | +1.7% |
| Year 9 (25 Sept 2014) | ₹1,02,000 | ₹1,03,504 | +1.5% |
| Year 10 (28 Sept 2015) | ₹1,14,000 | ₹1,15,557 | +1.4% |
| Year 11 (26 Sept 2016) | ₹1,26,000 | ₹1,27,907 | +1.5% |
| Year 12 (25 Sept 2017) | ₹1,38,000 | ₹1,39,427 | +1% |
| Year 13 (25 Sept 2018) | ₹1,50,000 | ₹1,51,218 | +0.8% |
| Year 14 (25 Sept 2019) | ₹1,62,000 | ₹1,57,943 | -2.5% |
| Year 15 (25 Sept 2020) | ₹1,74,000 | ₹1,60,969 | -7.5% |
Best year of the journey: Year 2 (+2.9% market move) · Toughest year: Year 15 (-5.3%)
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 3 Apr 2006 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.