₹5,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹33,51,902
18 Aug 2026
Absolute gain
+₹24,46,902
+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
₹16,84,161
Modelled at historical FD rates. The fund beat FD by ₹16,67,741.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹65,000 | ₹69,735 | +7.3% |
| Year 2 (19 Aug 2013) | ₹1,25,000 | ₹1,12,865 | -9.7% |
| Year 3 (18 Aug 2014) | ₹1,85,000 | ₹2,68,112 | +44.9% |
| Year 4 (18 Aug 2015) | ₹2,45,000 | ₹3,95,326 | +61.4% |
| Year 5 (18 Aug 2016) | ₹3,05,000 | ₹5,11,938 | +67.8% |
| Year 6 (18 Aug 2017) | ₹3,65,000 | ₹7,08,632 | +94.1% |
| Year 7 (20 Aug 2018) | ₹4,25,000 | ₹8,17,019 | +92.2% |
| Year 8 (19 Aug 2019) | ₹4,85,000 | ₹7,92,787 | +63.5% |
| Year 9 (18 Aug 2020) | ₹5,45,000 | ₹8,79,646 | +61.4% |
| Year 10 (18 Aug 2021) | ₹6,05,000 | ₹14,48,497 | +139.4% |
| Year 11 (18 Aug 2022) | ₹6,65,000 | ₹16,02,970 | +141% |
| Year 12 (18 Aug 2023) | ₹7,25,000 | ₹21,70,992 | +199.4% |
| Year 13 (19 Aug 2024) | ₹7,85,000 | ₹35,56,103 | +353% |
| Year 14 (18 Aug 2025) | ₹8,45,000 | ₹32,06,622 | +279.5% |
| Year 15 (18 Aug 2026) | ₹9,05,000 | ₹33,51,902 | +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.