₹2,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹2,000/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
₹3,62,000
181 installments
Value today
₹13,40,761
18 Aug 2026
Absolute gain
+₹9,78,761
+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
₹6,73,665
Modelled at historical FD rates. The fund beat FD by ₹6,67,096.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹26,000 | ₹27,894 | +7.3% |
| Year 2 (19 Aug 2013) | ₹50,000 | ₹45,146 | -9.7% |
| Year 3 (18 Aug 2014) | ₹74,000 | ₹1,07,245 | +44.9% |
| Year 4 (18 Aug 2015) | ₹98,000 | ₹1,58,131 | +61.4% |
| Year 5 (18 Aug 2016) | ₹1,22,000 | ₹2,04,775 | +67.8% |
| Year 6 (18 Aug 2017) | ₹1,46,000 | ₹2,83,453 | +94.1% |
| Year 7 (20 Aug 2018) | ₹1,70,000 | ₹3,26,808 | +92.2% |
| Year 8 (19 Aug 2019) | ₹1,94,000 | ₹3,17,115 | +63.5% |
| Year 9 (18 Aug 2020) | ₹2,18,000 | ₹3,51,858 | +61.4% |
| Year 10 (18 Aug 2021) | ₹2,42,000 | ₹5,79,399 | +139.4% |
| Year 11 (18 Aug 2022) | ₹2,66,000 | ₹6,41,188 | +141% |
| Year 12 (18 Aug 2023) | ₹2,90,000 | ₹8,68,397 | +199.4% |
| Year 13 (19 Aug 2024) | ₹3,14,000 | ₹14,22,441 | +353% |
| Year 14 (18 Aug 2025) | ₹3,38,000 | ₹12,82,649 | +279.5% |
| Year 15 (18 Aug 2026) | ₹3,62,000 | ₹13,40,761 | +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.