₹5,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹47,72,895
8 Oct 2026
Absolute gain
+₹35,67,895
+296.1%
XIRR (annualised)
12.28%
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
₹28,54,694
Modelled at historical FD rates. The fund beat FD by ₹19,18,201.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹65,000 | ₹91,942 | +41.4% |
| Year 2 (8 Oct 2008) | ₹1,25,000 | ₹77,990 | -37.6% |
| Year 3 (8 Oct 2009) | ₹1,85,000 | ₹1,95,545 | +5.7% |
| Year 4 (8 Oct 2010) | ₹2,45,000 | ₹2,61,004 | +6.5% |
| Year 5 (10 Oct 2011) | ₹3,05,000 | ₹2,07,653 | -31.9% |
| Year 6 (8 Oct 2012) | ₹3,65,000 | ₹3,14,003 | -14% |
| Year 7 (8 Oct 2013) | ₹4,25,000 | ₹3,41,267 | -19.7% |
| Year 8 (8 Oct 2014) | ₹4,85,000 | ₹5,95,385 | +22.8% |
| Year 9 (8 Oct 2015) | ₹5,45,000 | ₹7,28,892 | +33.7% |
| Year 10 (10 Oct 2016) | ₹6,05,000 | ₹9,95,219 | +64.5% |
| Year 11 (9 Oct 2017) | ₹6,65,000 | ₹13,17,451 | +98.1% |
| Year 12 (8 Oct 2018) | ₹7,25,000 | ₹11,85,472 | +63.5% |
| Year 13 (9 Oct 2019) | ₹7,85,000 | ₹14,15,753 | +80.4% |
| Year 14 (8 Oct 2020) | ₹8,45,000 | ₹14,32,850 | +69.6% |
| Year 15 (8 Oct 2021) | ₹9,05,000 | ₹24,75,689 | +173.6% |
| Year 16 (10 Oct 2022) | ₹9,65,000 | ₹24,66,876 | +155.6% |
| Year 17 (9 Oct 2023) | ₹10,25,000 | ₹34,75,093 | +239% |
| Year 18 (8 Oct 2024) | ₹10,85,000 | ₹53,28,590 | +391.1% |
| Year 19 (8 Oct 2025) | ₹11,45,000 | ₹49,23,193 | +330% |
| Year 20 (8 Oct 2026) | ₹12,05,000 | ₹47,72,895 | +296.1% |
Best year of the journey: Year 15 (+65.8% market move) · Toughest year: Year 2 (-48.7%)
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 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.