₹10,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹10,000/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
₹18,10,000
181 installments
Value today
₹67,03,804
18 Aug 2026
Absolute gain
+₹48,93,804
+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
₹33,68,323
Modelled at historical FD rates. The fund beat FD by ₹33,35,481.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,39,470 | +7.3% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,25,730 | -9.7% |
| Year 3 (18 Aug 2014) | ₹3,70,000 | ₹5,36,224 | +44.9% |
| Year 4 (18 Aug 2015) | ₹4,90,000 | ₹7,90,653 | +61.4% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹10,23,876 | +67.8% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹14,17,263 | +94.1% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹16,34,039 | +92.2% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹15,85,573 | +63.5% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹17,59,292 | +61.4% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹28,96,994 | +139.4% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹32,05,940 | +141% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹43,41,983 | +199.4% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹71,12,206 | +353% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹64,13,244 | +279.5% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹67,03,804 | +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.