₹25,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹1,67,59,511
18 Aug 2026
Absolute gain
+₹1,22,34,511
+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
₹84,20,807
Modelled at historical FD rates. The fund beat FD by ₹83,38,704.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹3,25,000 | ₹3,48,676 | +7.3% |
| Year 2 (19 Aug 2013) | ₹6,25,000 | ₹5,64,326 | -9.7% |
| Year 3 (18 Aug 2014) | ₹9,25,000 | ₹13,40,560 | +44.9% |
| Year 4 (18 Aug 2015) | ₹12,25,000 | ₹19,76,632 | +61.4% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹25,59,691 | +67.8% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹35,43,158 | +94.1% |
| Year 7 (20 Aug 2018) | ₹21,25,000 | ₹40,85,096 | +92.2% |
| Year 8 (19 Aug 2019) | ₹24,25,000 | ₹39,63,933 | +63.5% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹43,98,230 | +61.4% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹72,42,485 | +139.4% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹80,14,850 | +141% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹1,08,54,958 | +199.4% |
| Year 13 (19 Aug 2024) | ₹39,25,000 | ₹1,77,80,515 | +353% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹1,60,33,109 | +279.5% |
| Year 15 (18 Aug 2026) | ₹45,25,000 | ₹1,67,59,511 | +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.