₹1,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹1,000/month SIP on 9 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Regular)'s actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹9,54,579
8 Oct 2026
Absolute gain
+₹7,13,579
+296.1%
XIRR (annualised)
12.28%
money-weighted
The journey, month by month
Worst fall on the way
-66.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
18
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,70,939
Modelled at historical FD rates. The fund beat FD by ₹3,83,640.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹13,000 | ₹18,388 | +41.4% |
| Year 2 (8 Oct 2008) | ₹25,000 | ₹15,598 | -37.6% |
| Year 3 (8 Oct 2009) | ₹37,000 | ₹39,109 | +5.7% |
| Year 4 (8 Oct 2010) | ₹49,000 | ₹52,201 | +6.5% |
| Year 5 (10 Oct 2011) | ₹61,000 | ₹41,531 | -31.9% |
| Year 6 (8 Oct 2012) | ₹73,000 | ₹62,801 | -14% |
| Year 7 (8 Oct 2013) | ₹85,000 | ₹68,253 | -19.7% |
| Year 8 (8 Oct 2014) | ₹97,000 | ₹1,19,077 | +22.8% |
| Year 9 (8 Oct 2015) | ₹1,09,000 | ₹1,45,778 | +33.7% |
| Year 10 (10 Oct 2016) | ₹1,21,000 | ₹1,99,044 | +64.5% |
| Year 11 (9 Oct 2017) | ₹1,33,000 | ₹2,63,490 | +98.1% |
| Year 12 (8 Oct 2018) | ₹1,45,000 | ₹2,37,094 | +63.5% |
| Year 13 (9 Oct 2019) | ₹1,57,000 | ₹2,83,151 | +80.4% |
| Year 14 (8 Oct 2020) | ₹1,69,000 | ₹2,86,570 | +69.6% |
| Year 15 (8 Oct 2021) | ₹1,81,000 | ₹4,95,138 | +173.6% |
| Year 16 (10 Oct 2022) | ₹1,93,000 | ₹4,93,375 | +155.6% |
| Year 17 (9 Oct 2023) | ₹2,05,000 | ₹6,95,019 | +239% |
| Year 18 (8 Oct 2024) | ₹2,17,000 | ₹10,65,718 | +391.1% |
| Year 19 (8 Oct 2025) | ₹2,29,000 | ₹9,84,639 | +330% |
| Year 20 (8 Oct 2026) | ₹2,41,000 | ₹9,54,579 | +296.1% |
Best year of the journey: Year 15 (+65.8% market move) · Toughest year: Year 2 (-48.7%)
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 9 Oct 2006 and 8 Oct 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.