What would a ₹10,000 monthly SIP in JM Value Fund (Regular) be worth after 10 years?

Based on real NAV history from 18 Aug 2016 to 18 Aug 2026, a ₹10,000/month SIP (121 installments, ₹12,10,000 invested) would be worth ₹27,45,713 — an XIRR of 15.61%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹16,84,458. The fund beat FD by ₹10,61,255.

How risky was this journey?

The portfolio fell up to 36.6% from its peak at the worst point, and survived 5 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹10,000 Monthly SIP in JM Value Fund (Regular) for 10 Years

If you had started a ₹10,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Regular)'s actual NAV for all 121 installments.

You invested

₹12,10,000

121 installments

Value today

₹27,45,713

18 Aug 2026

Absolute gain

+₹15,35,713

+126.9%

XIRR (annualised)

15.61%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-36.6%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹16,84,458

Modelled at historical FD rates. The fund beat FD by ₹10,61,255.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (18 Aug 2017)	₹1,30,000	₹1,51,778	+16.8%
Year 2 (20 Aug 2018)	₹2,50,000	₹2,85,207	+14.1%
Year 3 (19 Aug 2019)	₹3,70,000	₹3,72,774	+0.7%
Year 4 (18 Aug 2020)	₹4,90,000	₹5,08,877	+3.9%
Year 5 (18 Aug 2021)	₹6,10,000	₹9,44,674	+54.9%
Year 6 (18 Aug 2022)	₹7,30,000	₹11,28,342	+54.6%
Year 7 (18 Aug 2023)	₹8,50,000	₹16,22,129	+90.8%
Year 8 (19 Aug 2024)	₹9,70,000	₹27,53,092	+183.8%
Year 9 (18 Aug 2025)	₹10,90,000	₹25,54,360	+134.3%
Year 10 (18 Aug 2026)	₹12,10,000	₹27,45,713	+126.9%

Best year of the journey: Year 8 (+58% market move) · Toughest year: Year 9 (-11.1%)

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 2016 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.