₹5,000 Monthly SIP in JM Value Fund (Regular) for 10 Years
If you had started a ₹5,000/month SIP on 10 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
₹6,05,000
121 installments
Value today
₹12,73,808
8 Oct 2026
Absolute gain
+₹6,68,808
+110.5%
XIRR (annualised)
14.29%
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
₹8,39,823
Modelled at historical FD rates. The fund beat FD by ₹4,33,985.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹65,000 | ₹76,905 | +18.3% |
| Year 2 (8 Oct 2018) | ₹1,25,000 | ₹1,18,669 | -5.1% |
| Year 3 (9 Oct 2019) | ₹1,85,000 | ₹1,98,254 | +7.2% |
| Year 4 (8 Oct 2020) | ₹2,45,000 | ₹2,54,726 | +4% |
| Year 5 (8 Oct 2021) | ₹3,05,000 | ₹5,01,612 | +64.5% |
| Year 6 (10 Oct 2022) | ₹3,65,000 | ₹5,48,380 | +50.2% |
| Year 7 (9 Oct 2023) | ₹4,25,000 | ₹8,28,180 | +94.9% |
| Year 8 (8 Oct 2024) | ₹4,85,000 | ₹13,23,291 | +172.8% |
| Year 9 (8 Oct 2025) | ₹5,45,000 | ₹12,68,280 | +132.7% |
| Year 10 (8 Oct 2026) | ₹6,05,000 | ₹12,73,808 | +110.5% |
Best year of the journey: Year 5 (+59.4% 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.
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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 2016 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.