₹2,000 Monthly SIP in JM Value Fund (Direct) for 5 Years
If you had started a ₹2,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Value Fund (Direct)'s actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,73,020
1 Sept 2026
Absolute gain
+₹51,020
+41.8%
XIRR (annualised)
14.14%
money-weighted
The journey, month by month
Worst fall on the way
-17.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,42,975
Modelled at historical FD rates. The fund beat FD by ₹30,045.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹26,000 | ₹26,575 | +2.2% |
| Year 2 (1 Sept 2023) | ₹50,000 | ₹66,208 | +32.4% |
| Year 3 (2 Sept 2024) | ₹74,000 | ₹1,36,233 | +84.1% |
| Year 4 (1 Sept 2025) | ₹98,000 | ₹1,43,543 | +46.5% |
| Year 5 (1 Sept 2026) | ₹1,22,000 | ₹1,73,020 | +41.8% |
Best year of the journey: Year 3 (+51% market move) · Toughest year: Year 4 (-10.4%)
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 1 Sept 2021 and 1 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.