₹25,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹2,45,66,958
7 Oct 2026
Absolute gain
+₹1,85,41,958
+307.8%
XIRR (annualised)
12.52%
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
₹1,42,70,571
Modelled at historical FD rates. The fund beat FD by ₹1,02,96,387.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹3,25,000 | ₹4,59,708 | +41.4% |
| Year 2 (7 Oct 2008) | ₹6,25,000 | ₹4,05,991 | -35% |
| Year 3 (7 Oct 2009) | ₹9,25,000 | ₹9,70,718 | +4.9% |
| Year 4 (7 Oct 2010) | ₹12,25,000 | ₹13,12,551 | +7.1% |
| Year 5 (7 Oct 2011) | ₹15,25,000 | ₹10,18,984 | -33.2% |
| Year 6 (8 Oct 2012) | ₹18,25,000 | ₹15,70,016 | -14% |
| Year 7 (7 Oct 2013) | ₹21,25,000 | ₹16,96,989 | -20.1% |
| Year 8 (7 Oct 2014) | ₹24,25,000 | ₹29,69,633 | +22.5% |
| Year 9 (7 Oct 2015) | ₹27,25,000 | ₹36,56,023 | +34.2% |
| Year 10 (7 Oct 2016) | ₹30,25,000 | ₹49,76,626 | +64.5% |
| Year 11 (9 Oct 2017) | ₹33,25,000 | ₹65,87,257 | +98.1% |
| Year 12 (8 Oct 2018) | ₹36,25,000 | ₹59,27,359 | +63.5% |
| Year 13 (7 Oct 2019) | ₹39,25,000 | ₹69,15,028 | +76.2% |
| Year 14 (7 Oct 2020) | ₹42,25,000 | ₹71,10,657 | +68.3% |
| Year 15 (7 Oct 2021) | ₹45,25,000 | ₹1,23,33,200 | +172.6% |
| Year 16 (7 Oct 2022) | ₹48,25,000 | ₹1,23,77,023 | +156.5% |
| Year 17 (9 Oct 2023) | ₹51,25,000 | ₹1,73,75,463 | +239% |
| Year 18 (7 Oct 2024) | ₹54,25,000 | ₹2,60,67,291 | +380.5% |
| Year 19 (7 Oct 2025) | ₹57,25,000 | ₹2,47,87,963 | +333% |
| Year 20 (7 Oct 2026) | ₹60,25,000 | ₹2,45,66,958 | +307.8% |
Best year of the journey: Year 15 (+66.4% market move) · Toughest year: Year 2 (-46.6%)
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 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.