₹1,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹1,000/month SIP on 18 Aug 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Regular)'s actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹6,70,380
18 Aug 2026
Absolute gain
+₹4,89,380
+270.4%
XIRR (annualised)
15.87%
money-weighted
The journey, month by month
Worst fall on the way
-37.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
12
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,832
Modelled at historical FD rates. The fund beat FD by ₹3,33,548.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹13,000 | ₹13,947 | +7.3% |
| Year 2 (19 Aug 2013) | ₹25,000 | ₹22,573 | -9.7% |
| Year 3 (18 Aug 2014) | ₹37,000 | ₹53,622 | +44.9% |
| Year 4 (18 Aug 2015) | ₹49,000 | ₹79,065 | +61.4% |
| Year 5 (18 Aug 2016) | ₹61,000 | ₹1,02,388 | +67.8% |
| Year 6 (18 Aug 2017) | ₹73,000 | ₹1,41,726 | +94.1% |
| Year 7 (20 Aug 2018) | ₹85,000 | ₹1,63,404 | +92.2% |
| Year 8 (19 Aug 2019) | ₹97,000 | ₹1,58,557 | +63.5% |
| Year 9 (18 Aug 2020) | ₹1,09,000 | ₹1,75,929 | +61.4% |
| Year 10 (18 Aug 2021) | ₹1,21,000 | ₹2,89,699 | +139.4% |
| Year 11 (18 Aug 2022) | ₹1,33,000 | ₹3,20,594 | +141% |
| Year 12 (18 Aug 2023) | ₹1,45,000 | ₹4,34,198 | +199.4% |
| Year 13 (19 Aug 2024) | ₹1,57,000 | ₹7,11,221 | +353% |
| Year 14 (18 Aug 2025) | ₹1,69,000 | ₹6,41,324 | +279.5% |
| Year 15 (18 Aug 2026) | ₹1,81,000 | ₹6,70,380 | +270.4% |
Best year of the journey: Year 13 (+59.4% market move) · Toughest year: Year 2 (-13%)
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 (Regular)'s published NAV (source: AMFI) between 18 Aug 2011 and 18 Aug 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.