₹1,000 Monthly SIP in JM Value Fund (Direct) for 10 Years
If you had started a ₹1,000/month SIP on 4 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Direct)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,86,927
3 Jul 2026
Absolute gain
+₹1,65,927
+137.1%
XIRR (annualised)
16.55%
money-weighted
The journey, month by month
Worst fall on the way
-36.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,100
Modelled at historical FD rates. The fund beat FD by ₹1,18,827.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹13,000 | ₹14,646 | +12.7% |
| Year 2 (3 Jul 2018) | ₹25,000 | ₹27,151 | +8.6% |
| Year 3 (3 Jul 2019) | ₹37,000 | ₹41,107 | +11.1% |
| Year 4 (3 Jul 2020) | ₹49,000 | ₹48,973 | -0.1% |
| Year 5 (5 Jul 2021) | ₹61,000 | ₹93,319 | +53% |
| Year 6 (4 Jul 2022) | ₹73,000 | ₹1,04,307 | +42.9% |
| Year 7 (3 Jul 2023) | ₹85,000 | ₹1,57,690 | +85.5% |
| Year 8 (3 Jul 2024) | ₹97,000 | ₹2,84,085 | +192.9% |
| Year 9 (3 Jul 2025) | ₹1,09,000 | ₹2,85,907 | +162.3% |
| Year 10 (3 Jul 2026) | ₹1,21,000 | ₹2,86,927 | +137.1% |
Best year of the journey: Year 8 (+67.4% market move) · Toughest year: Year 4 (-7.8%)
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 Value / Contra funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Value Fund (Direct)'s published NAV (source: AMFI) between 4 Jul 2016 and 3 Jul 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.