₹25,000 Monthly SIP in JM Value Fund (Regular) for 10 Years
If you had started a ₹25,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Regular)'s actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹65,56,511
7 Oct 2026
Absolute gain
+₹35,31,511
+116.7%
XIRR (annualised)
14.84%
money-weighted
The journey, month by month
Worst fall on the way
-36.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,98,422
Modelled at historical FD rates. The fund beat FD by ₹23,58,089.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹3,25,000 | ₹3,84,522 | +18.3% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹5,93,342 | -5.1% |
| Year 3 (7 Oct 2019) | ₹9,25,000 | ₹9,68,337 | +4.7% |
| Year 4 (7 Oct 2020) | ₹12,25,000 | ₹12,64,097 | +3.2% |
| Year 5 (7 Oct 2021) | ₹15,25,000 | ₹24,98,885 | +63.9% |
| Year 6 (7 Oct 2022) | ₹18,25,000 | ₹27,51,375 | +50.8% |
| Year 7 (9 Oct 2023) | ₹21,25,000 | ₹41,40,892 | +94.9% |
| Year 8 (7 Oct 2024) | ₹24,25,000 | ₹64,73,486 | +166.9% |
| Year 9 (7 Oct 2025) | ₹27,25,000 | ₹63,85,699 | +134.3% |
| Year 10 (7 Oct 2026) | ₹30,25,000 | ₹65,56,511 | +116.7% |
Best year of the journey: Year 5 (+59.8% market move) · Toughest year: Year 2 (-13.3%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 7 Oct 2016 and 7 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.