₹5,000 Monthly SIP in JM Value Fund (Direct) for 10 Years
If you had started a ₹5,000/month SIP on 6 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
₹6,05,000
121 installments
Value today
₹14,33,734
3 Sept 2026
Absolute gain
+₹8,28,734
+137%
XIRR (annualised)
16.53%
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
₹8,39,672
Modelled at historical FD rates. The fund beat FD by ₹5,94,062.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹65,000 | ₹76,370 | +17.5% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,40,833 | +12.7% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹1,82,952 | -1.1% |
| Year 4 (3 Sept 2020) | ₹2,45,000 | ₹2,60,091 | +6.2% |
| Year 5 (3 Sept 2021) | ₹3,05,000 | ₹4,93,976 | +62% |
| Year 6 (5 Sept 2022) | ₹3,65,000 | ₹5,71,208 | +56.5% |
| Year 7 (4 Sept 2023) | ₹4,25,000 | ₹8,66,466 | +103.9% |
| Year 8 (3 Sept 2024) | ₹4,85,000 | ₹14,50,620 | +199.1% |
| Year 9 (3 Sept 2025) | ₹5,45,000 | ₹13,39,102 | +145.7% |
| Year 10 (3 Sept 2026) | ₹6,05,000 | ₹14,33,734 | +137% |
Best year of the journey: Year 8 (+56.6% market move) · Toughest year: Year 9 (-11.4%)
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 6 Sept 2016 and 3 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.