₹10,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹10,000/month SIP on 7 Oct 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
₹18,10,000
181 installments
Value today
₹63,89,800
7 Oct 2026
Absolute gain
+₹45,79,800
+253%
XIRR (annualised)
15.37%
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
₹33,48,062
Modelled at historical FD rates. The fund beat FD by ₹30,41,738.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,48,254 | +14% |
| Year 2 (7 Oct 2013) | ₹2,50,000 | ₹2,46,461 | -1.4% |
| Year 3 (7 Oct 2014) | ₹3,70,000 | ₹5,25,995 | +42.2% |
| Year 4 (7 Oct 2015) | ₹4,90,000 | ₹7,13,079 | +45.5% |
| Year 5 (7 Oct 2016) | ₹6,10,000 | ₹10,45,718 | +71.4% |
| Year 6 (9 Oct 2017) | ₹7,30,000 | ₹14,51,218 | +98.8% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹13,53,039 | +59.2% |
| Year 8 (7 Oct 2019) | ₹9,70,000 | ₹16,31,188 | +68.2% |
| Year 9 (7 Oct 2020) | ₹10,90,000 | ₹17,28,548 | +58.6% |
| Year 10 (7 Oct 2021) | ₹12,10,000 | ₹30,56,571 | +152.6% |
| Year 11 (7 Oct 2022) | ₹13,30,000 | ₹31,13,921 | +134.1% |
| Year 12 (9 Oct 2023) | ₹14,50,000 | ₹44,24,596 | +205.1% |
| Year 13 (7 Oct 2024) | ₹15,70,000 | ₹66,87,777 | +326% |
| Year 14 (7 Oct 2025) | ₹16,90,000 | ₹64,03,431 | +278.9% |
| Year 15 (7 Oct 2026) | ₹18,10,000 | ₹63,89,800 | +253% |
Best year of the journey: Year 10 (+65.3% market move) · Toughest year: Year 7 (-13.9%)
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 7 Oct 2011 and 7 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.