₹25,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹25,000/month SIP on 10 Oct 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
₹45,25,000
181 installments
Value today
₹1,55,13,816
8 Oct 2026
Absolute gain
+₹1,09,88,816
+242.8%
XIRR (annualised)
15.03%
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
₹83,71,729
Modelled at historical FD rates. The fund beat FD by ₹71,42,087.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹3,25,000 | ₹3,70,076 | +13.9% |
| Year 2 (8 Oct 2013) | ₹6,25,000 | ₹6,19,036 | -1% |
| Year 3 (8 Oct 2014) | ₹9,25,000 | ₹13,17,441 | +42.4% |
| Year 4 (8 Oct 2015) | ₹12,25,000 | ₹17,76,187 | +45% |
| Year 5 (10 Oct 2016) | ₹15,25,000 | ₹26,12,912 | +71.3% |
| Year 6 (9 Oct 2017) | ₹18,25,000 | ₹36,26,662 | +98.7% |
| Year 7 (8 Oct 2018) | ₹21,25,000 | ₹33,81,408 | +59.1% |
| Year 8 (9 Oct 2019) | ₹24,25,000 | ₹41,73,173 | +72.1% |
| Year 9 (8 Oct 2020) | ₹27,25,000 | ₹43,52,627 | +59.7% |
| Year 10 (8 Oct 2021) | ₹30,25,000 | ₹76,67,260 | +153.5% |
| Year 11 (10 Oct 2022) | ₹33,25,000 | ₹77,55,843 | +133.3% |
| Year 12 (9 Oct 2023) | ₹36,25,000 | ₹1,10,58,540 | +205.1% |
| Year 13 (8 Oct 2024) | ₹39,25,000 | ₹1,70,84,206 | +335.3% |
| Year 14 (8 Oct 2025) | ₹42,25,000 | ₹1,58,93,423 | +276.2% |
| Year 15 (8 Oct 2026) | ₹45,25,000 | ₹1,55,13,816 | +242.8% |
Best year of the journey: Year 10 (+64.8% market move) · Toughest year: Year 7 (-13.9%)
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 10 Oct 2011 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.