₹5,000 Monthly SIP in JM Value Fund (Regular) for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹31,02,763
8 Oct 2026
Absolute gain
+₹21,97,763
+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
₹16,74,346
Modelled at historical FD rates. The fund beat FD by ₹14,28,417.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹65,000 | ₹74,015 | +13.9% |
| Year 2 (8 Oct 2013) | ₹1,25,000 | ₹1,23,807 | -1% |
| Year 3 (8 Oct 2014) | ₹1,85,000 | ₹2,63,488 | +42.4% |
| Year 4 (8 Oct 2015) | ₹2,45,000 | ₹3,55,237 | +45% |
| Year 5 (10 Oct 2016) | ₹3,05,000 | ₹5,22,582 | +71.3% |
| Year 6 (9 Oct 2017) | ₹3,65,000 | ₹7,25,332 | +98.7% |
| Year 7 (8 Oct 2018) | ₹4,25,000 | ₹6,76,282 | +59.1% |
| Year 8 (9 Oct 2019) | ₹4,85,000 | ₹8,34,635 | +72.1% |
| Year 9 (8 Oct 2020) | ₹5,45,000 | ₹8,70,525 | +59.7% |
| Year 10 (8 Oct 2021) | ₹6,05,000 | ₹15,33,452 | +153.5% |
| Year 11 (10 Oct 2022) | ₹6,65,000 | ₹15,51,169 | +133.3% |
| Year 12 (9 Oct 2023) | ₹7,25,000 | ₹22,11,708 | +205.1% |
| Year 13 (8 Oct 2024) | ₹7,85,000 | ₹34,16,841 | +335.3% |
| Year 14 (8 Oct 2025) | ₹8,45,000 | ₹31,78,685 | +276.2% |
| Year 15 (8 Oct 2026) | ₹9,05,000 | ₹31,02,763 | +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.
Try a different amount
Try a different duration
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.