₹10,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹10,000/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
₹24,10,000
241 installments
Value today
₹95,45,789
8 Oct 2026
Absolute gain
+₹71,35,789
+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
₹57,09,388
Modelled at historical FD rates. The fund beat FD by ₹38,36,401.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹1,30,000 | ₹1,83,883 | +41.4% |
| Year 2 (8 Oct 2008) | ₹2,50,000 | ₹1,55,980 | -37.6% |
| Year 3 (8 Oct 2009) | ₹3,70,000 | ₹3,91,091 | +5.7% |
| Year 4 (8 Oct 2010) | ₹4,90,000 | ₹5,22,008 | +6.5% |
| Year 5 (10 Oct 2011) | ₹6,10,000 | ₹4,15,307 | -31.9% |
| Year 6 (8 Oct 2012) | ₹7,30,000 | ₹6,28,006 | -14% |
| Year 7 (8 Oct 2013) | ₹8,50,000 | ₹6,82,533 | -19.7% |
| Year 8 (8 Oct 2014) | ₹9,70,000 | ₹11,90,771 | +22.8% |
| Year 9 (8 Oct 2015) | ₹10,90,000 | ₹14,57,785 | +33.7% |
| Year 10 (10 Oct 2016) | ₹12,10,000 | ₹19,90,437 | +64.5% |
| Year 11 (9 Oct 2017) | ₹13,30,000 | ₹26,34,903 | +98.1% |
| Year 12 (8 Oct 2018) | ₹14,50,000 | ₹23,70,944 | +63.5% |
| Year 13 (9 Oct 2019) | ₹15,70,000 | ₹28,31,506 | +80.4% |
| Year 14 (8 Oct 2020) | ₹16,90,000 | ₹28,65,700 | +69.6% |
| Year 15 (8 Oct 2021) | ₹18,10,000 | ₹49,51,378 | +173.6% |
| Year 16 (10 Oct 2022) | ₹19,30,000 | ₹49,33,753 | +155.6% |
| Year 17 (9 Oct 2023) | ₹20,50,000 | ₹69,50,185 | +239% |
| Year 18 (8 Oct 2024) | ₹21,70,000 | ₹1,06,57,181 | +391.1% |
| Year 19 (8 Oct 2025) | ₹22,90,000 | ₹98,46,385 | +330% |
| Year 20 (8 Oct 2026) | ₹24,10,000 | ₹95,45,789 | +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.