₹1,000 Monthly SIP in JM Overnight Fund - (Direct) for 5 Years
If you had started a ₹1,000/month SIP on 2 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Overnight Fund - (Direct)'s actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹70,540
2 Sept 2026
Absolute gain
+₹9,540
+15.6%
XIRR (annualised)
5.83%
money-weighted
The journey, month by month
Worst fall on the way
0%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,505
Modelled at historical FD rates. The fund trailed FD by ₹965.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2022) | ₹13,000 | ₹13,269 | +2.1% |
| Year 2 (3 Sept 2023) | ₹25,000 | ₹26,475 | +5.9% |
| Year 3 (2 Sept 2024) | ₹37,000 | ₹40,623 | +9.8% |
| Year 4 (2 Sept 2025) | ₹49,000 | ₹55,423 | +13.1% |
| Year 5 (2 Sept 2026) | ₹61,000 | ₹70,540 | +15.6% |
Best year of the journey: Year 3 (+5.6% market move) · Toughest year: Year 1 (2.1%)
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 Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Overnight Fund - (Direct)'s published NAV (source: AMFI) between 2 Sept 2021 and 2 Sept 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.