₹10,000 Monthly SIP in Aditya Birla Sun Life Liquid Fund-Retail (Growth) for 20 Years
If you had started a ₹10,000/month SIP on 19 Jun 2006 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Liquid Fund-Retail (Growth)'s actual NAV for all 241 installments.
You invested
₹24,10,000
241 installments
Value today
₹2,35,92,413
19 Jun 2026
Absolute gain
+₹2,11,82,413
+878.9%
XIRR (annualised)
19.55%
money-weighted
The journey, month by month
Worst fall on the way
-90%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹57,11,778
Modelled at historical FD rates. The fund beat FD by ₹1,78,80,635.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹1,30,000 | ₹1,35,387 | +4.1% |
| Year 2 (19 Jun 2008) | ₹2,50,000 | ₹2,71,299 | +8.5% |
| Year 3 (19 Jun 2009) | ₹3,70,000 | ₹4,15,377 | +12.3% |
| Year 4 (20 Jun 2010) | ₹4,90,000 | ₹5,53,148 | +12.9% |
| Year 5 (19 Jun 2011) | ₹6,10,000 | ₹7,15,244 | +17.3% |
| Year 6 (19 Jun 2012) | ₹7,30,000 | ₹83,18,735 | +1039.6% |
| Year 7 (19 Jun 2013) | ₹8,50,000 | ₹91,43,742 | +975.7% |
| Year 8 (19 Jun 2014) | ₹9,70,000 | ₹1,01,04,509 | +941.7% |
| Year 9 (19 Jun 2015) | ₹10,90,000 | ₹1,11,27,855 | +920.9% |
| Year 10 (19 Jun 2016) | ₹12,10,000 | ₹1,21,60,873 | +905% |
| Year 11 (19 Jun 2017) | ₹13,30,000 | ₹1,31,27,067 | +887% |
| Year 12 (19 Jun 2018) | ₹14,50,000 | ₹1,41,57,995 | +876.4% |
| Year 13 (19 Jun 2019) | ₹15,70,000 | ₹1,53,46,429 | +877.5% |
| Year 14 (19 Jun 2020) | ₹16,90,000 | ₹1,63,54,868 | +867.7% |
| Year 15 (19 Jun 2021) | ₹18,10,000 | ₹1,70,02,719 | +839.4% |
| Year 16 (19 Jun 2022) | ₹19,30,000 | ₹1,77,23,898 | +818.3% |
| Year 17 (19 Jun 2023) | ₹20,50,000 | ₹1,89,84,730 | +826.1% |
| Year 18 (19 Jun 2024) | ₹21,70,000 | ₹2,04,88,925 | +844.2% |
| Year 19 (19 Jun 2025) | ₹22,90,000 | ₹2,20,89,416 | +864.6% |
| Year 20 (19 Jun 2026) | ₹24,10,000 | ₹2,35,92,413 | +878.9% |
Best year of the journey: Year 6 (+896% market move) · Toughest year: Year 15 (3.2%)
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 Liquid funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Aditya Birla Sun Life Liquid Fund-Retail (Growth)'s published NAV (source: AMFI) between 19 Jun 2006 and 19 Jun 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.