₹1,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹1,000/month SIP on 18 Aug 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
₹10,17,895
18 Aug 2026
Absolute gain
+₹7,76,895
+322.4%
XIRR (annualised)
12.78%
money-weighted
The journey, month by month
Worst fall on the way
-68.3%
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
₹5,71,553
Modelled at historical FD rates. The fund beat FD by ₹4,46,342.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹13,000 | ₹17,667 | +35.9% |
| Year 2 (18 Aug 2008) | ₹25,000 | ₹24,356 | -2.6% |
| Year 3 (18 Aug 2009) | ₹37,000 | ₹35,143 | -5% |
| Year 4 (18 Aug 2010) | ₹49,000 | ₹50,360 | +2.8% |
| Year 5 (18 Aug 2011) | ₹61,000 | ₹40,435 | -33.7% |
| Year 6 (21 Aug 2012) | ₹73,000 | ₹57,796 | -20.8% |
| Year 7 (19 Aug 2013) | ₹85,000 | ₹61,625 | -27.5% |
| Year 8 (18 Aug 2014) | ₹97,000 | ₹1,18,561 | +22.2% |
| Year 9 (18 Aug 2015) | ₹1,09,000 | ₹1,59,144 | +46% |
| Year 10 (18 Aug 2016) | ₹1,21,000 | ₹1,91,404 | +58.2% |
| Year 11 (18 Aug 2017) | ₹1,33,000 | ₹2,52,834 | +90.1% |
| Year 12 (20 Aug 2018) | ₹1,45,000 | ₹2,81,829 | +94.4% |
| Year 13 (19 Aug 2019) | ₹1,57,000 | ₹2,65,039 | +68.8% |
| Year 14 (18 Aug 2020) | ₹1,69,000 | ₹2,85,714 | +69.1% |
| Year 15 (18 Aug 2021) | ₹1,81,000 | ₹4,61,110 | +154.8% |
| Year 16 (18 Aug 2022) | ₹1,93,000 | ₹5,03,004 | +160.6% |
| Year 17 (18 Aug 2023) | ₹2,05,000 | ₹6,72,997 | +228.3% |
| Year 18 (19 Aug 2024) | ₹2,17,000 | ₹10,93,944 | +404.1% |
| Year 19 (18 Aug 2025) | ₹2,29,000 | ₹9,80,128 | +328% |
| Year 20 (18 Aug 2026) | ₹2,41,000 | ₹10,17,895 | +322.4% |
Best year of the journey: Year 8 (+61% market move) · Toughest year: Year 5 (-35.2%)
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 2006 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.