₹1,000 Monthly SIP in Franklin India Liquid Fund - Unclaimed IDCW Plan for 10 Years
If you had started a ₹1,000/month SIP on 22 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Liquid Fund - Unclaimed IDCW Plan's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,65,827
22 Sept 2026
Absolute gain
+₹44,827
+37%
XIRR (annualised)
6.12%
money-weighted
The journey, month by month
Worst fall on the way
-0.2%
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
₹1,68,485
Modelled at historical FD rates. The fund trailed FD by ₹2,658.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Sept 2017) | ₹13,000 | ₹13,459 | +3.5% |
| Year 2 (23 Sept 2018) | ₹25,000 | ₹26,796 | +7.2% |
| Year 3 (22 Sept 2019) | ₹37,000 | ₹41,115 | +11.1% |
| Year 4 (22 Sept 2020) | ₹49,000 | ₹55,524 | +13.3% |
| Year 5 (22 Sept 2021) | ₹61,000 | ₹69,544 | +14% |
| Year 6 (22 Sept 2022) | ₹73,000 | ₹84,656 | +16% |
| Year 7 (22 Sept 2023) | ₹85,000 | ₹1,02,884 | +21% |
| Year 8 (22 Sept 2024) | ₹97,000 | ₹1,22,980 | +26.8% |
| Year 9 (22 Sept 2025) | ₹1,09,000 | ₹1,43,989 | +32.1% |
| Year 10 (22 Sept 2026) | ₹1,21,000 | ₹1,65,827 | +37% |
Best year of the journey: Year 8 (+7% market move) · Toughest year: Year 5 (3%)
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 Franklin India Liquid Fund - Unclaimed IDCW Plan's published NAV (source: AMFI) between 22 Sept 2016 and 22 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.