₹25,000 Monthly SIP in JM Value Fund (Direct) for 10 Years
If you had started a ₹25,000/month SIP on 6 Sept 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
₹30,25,000
121 installments
Value today
₹71,68,672
3 Sept 2026
Absolute gain
+₹41,43,672
+137%
XIRR (annualised)
16.53%
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
₹41,98,359
Modelled at historical FD rates. The fund beat FD by ₹29,70,313.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,81,850 | +17.5% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹7,04,167 | +12.7% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,14,761 | -1.1% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹13,00,454 | +6.2% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹24,69,878 | +62% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹28,56,038 | +56.5% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹43,32,332 | +103.9% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹72,53,101 | +199.1% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹66,95,509 | +145.7% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹71,68,672 | +137% |
Best year of the journey: Year 8 (+56.6% market move) · Toughest year: Year 9 (-11.4%)
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 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 6 Sept 2016 and 3 Sept 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.