₹5,000 Monthly SIP in JM Value Fund (Regular) for 20 Years
If you had started a ₹5,000/month SIP on 18 Aug 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
₹50,89,473
18 Aug 2026
Absolute gain
+₹38,84,473
+322.4%
XIRR (annualised)
12.78%
money-weighted
The journey, month by month
Worst fall on the way
-68.3%
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
₹28,57,767
Modelled at historical FD rates. The fund beat FD by ₹22,31,706.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹65,000 | ₹88,334 | +35.9% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,21,780 | -2.6% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹1,75,715 | -5% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹2,51,800 | +2.8% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹2,02,174 | -33.7% |
| Year 6 (21 Aug 2012) | ₹3,65,000 | ₹2,88,978 | -20.8% |
| Year 7 (19 Aug 2013) | ₹4,25,000 | ₹3,08,123 | -27.5% |
| Year 8 (18 Aug 2014) | ₹4,85,000 | ₹5,92,807 | +22.2% |
| Year 9 (18 Aug 2015) | ₹5,45,000 | ₹7,95,720 | +46% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹9,57,022 | +58.2% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹12,64,169 | +90.1% |
| Year 12 (20 Aug 2018) | ₹7,25,000 | ₹14,09,145 | +94.4% |
| Year 13 (19 Aug 2019) | ₹7,85,000 | ₹13,25,196 | +68.8% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹14,28,568 | +69.1% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹23,05,550 | +154.8% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹25,15,019 | +160.6% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹33,64,986 | +228.3% |
| Year 18 (19 Aug 2024) | ₹10,85,000 | ₹54,69,720 | +404.1% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹49,00,641 | +328% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹50,89,473 | +322.4% |
Best year of the journey: Year 8 (+61% market move) · Toughest year: Year 5 (-35.2%)
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 2006 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.