₹2,000 Monthly SIP in JM Value Fund (Regular) for 5 Years
If you had started a ₹2,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Regular)'s actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,70,155
18 Aug 2026
Absolute gain
+₹48,155
+39.5%
XIRR (annualised)
13.23%
money-weighted
The journey, month by month
Worst fall on the way
-18.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,43,232
Modelled at historical FD rates. The fund beat FD by ₹26,923.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹26,000 | ₹26,738 | +2.8% |
| Year 2 (18 Aug 2023) | ₹50,000 | ₹63,999 | +28% |
| Year 3 (19 Aug 2024) | ₹74,000 | ₹1,33,232 | +80% |
| Year 4 (18 Aug 2025) | ₹98,000 | ₹1,41,383 | +44.3% |
| Year 5 (18 Aug 2026) | ₹1,22,000 | ₹1,70,155 | +39.5% |
Best year of the journey: Year 3 (+51.4% market move) · Toughest year: Year 4 (-10.1%)
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 2021 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.