₹10,000 Monthly SIP in JM Value Fund (Direct) for 10 Years
If you had started a ₹10,000/month SIP on 2 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Direct)'s actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹28,46,723
2 Sept 2026
Absolute gain
+₹16,36,723
+135.3%
XIRR (annualised)
16.4%
money-weighted
The journey, month by month
Worst fall on the way
-36.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,070
Modelled at historical FD rates. The fund beat FD by ₹11,67,653.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,53,008 | +17.7% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,81,945 | +12.8% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,66,153 | -1% |
| Year 4 (2 Sept 2020) | ₹4,90,000 | ₹5,20,817 | +6.3% |
| Year 5 (2 Sept 2021) | ₹6,10,000 | ₹9,85,374 | +61.5% |
| Year 6 (2 Sept 2022) | ₹7,30,000 | ₹11,34,838 | +55.5% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹17,33,549 | +103.9% |
| Year 8 (2 Sept 2024) | ₹9,70,000 | ₹28,93,212 | +198.3% |
| Year 9 (2 Sept 2025) | ₹10,90,000 | ₹26,66,355 | +144.6% |
| Year 10 (2 Sept 2026) | ₹12,10,000 | ₹28,46,723 | +135.3% |
Best year of the journey: Year 8 (+56.1% market move) · Toughest year: Year 9 (-11.5%)
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 (Direct)'s published NAV (source: AMFI) between 2 Sept 2016 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.