₹2,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹19,09,158
8 Oct 2026
Absolute gain
+₹14,27,158
+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
₹11,41,878
Modelled at historical FD rates. The fund beat FD by ₹7,67,280.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹26,000 | ₹36,777 | +41.4% |
| Year 2 (8 Oct 2008) | ₹50,000 | ₹31,196 | -37.6% |
| Year 3 (8 Oct 2009) | ₹74,000 | ₹78,218 | +5.7% |
| Year 4 (8 Oct 2010) | ₹98,000 | ₹1,04,402 | +6.5% |
| Year 5 (10 Oct 2011) | ₹1,22,000 | ₹83,061 | -31.9% |
| Year 6 (8 Oct 2012) | ₹1,46,000 | ₹1,25,601 | -14% |
| Year 7 (8 Oct 2013) | ₹1,70,000 | ₹1,36,507 | -19.7% |
| Year 8 (8 Oct 2014) | ₹1,94,000 | ₹2,38,154 | +22.8% |
| Year 9 (8 Oct 2015) | ₹2,18,000 | ₹2,91,557 | +33.7% |
| Year 10 (10 Oct 2016) | ₹2,42,000 | ₹3,98,087 | +64.5% |
| Year 11 (9 Oct 2017) | ₹2,66,000 | ₹5,26,981 | +98.1% |
| Year 12 (8 Oct 2018) | ₹2,90,000 | ₹4,74,189 | +63.5% |
| Year 13 (9 Oct 2019) | ₹3,14,000 | ₹5,66,301 | +80.4% |
| Year 14 (8 Oct 2020) | ₹3,38,000 | ₹5,73,140 | +69.6% |
| Year 15 (8 Oct 2021) | ₹3,62,000 | ₹9,90,276 | +173.6% |
| Year 16 (10 Oct 2022) | ₹3,86,000 | ₹9,86,751 | +155.6% |
| Year 17 (9 Oct 2023) | ₹4,10,000 | ₹13,90,037 | +239% |
| Year 18 (8 Oct 2024) | ₹4,34,000 | ₹21,31,436 | +391.1% |
| Year 19 (8 Oct 2025) | ₹4,58,000 | ₹19,69,277 | +330% |
| Year 20 (8 Oct 2026) | ₹4,82,000 | ₹19,09,158 | +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.