₹1,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 20 Years
If you had started a ₹1,000/month SIP on 18 Aug 2006 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Liquid Fund - IDCW Monthly's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹1,10,63,194
18 Aug 2026
Absolute gain
+₹1,08,22,194
+4490.5%
XIRR (annualised)
31.78%
money-weighted
The journey, month by month
Worst fall on the way
-1%
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
₹5,71,588
Modelled at historical FD rates. The fund beat FD by ₹1,04,91,606.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹13,000 | ₹13,040 | +0.3% |
| Year 2 (18 Aug 2008) | ₹25,000 | ₹25,105 | +0.4% |
| Year 3 (18 Aug 2009) | ₹37,000 | ₹37,063 | +0.2% |
| Year 4 (18 Aug 2010) | ₹49,000 | ₹49,120 | +0.2% |
| Year 5 (18 Aug 2011) | ₹61,000 | ₹61,295 | +0.5% |
| Year 6 (20 Aug 2012) | ₹73,000 | ₹73,306 | +0.4% |
| Year 7 (18 Aug 2013) | ₹85,000 | ₹85,402 | +0.5% |
| Year 8 (18 Aug 2014) | ₹97,000 | ₹97,373 | +0.4% |
| Year 9 (18 Aug 2015) | ₹1,09,000 | ₹1,09,400 | +0.4% |
| Year 10 (18 Aug 2016) | ₹1,21,000 | ₹1,09,50,750 | +8950.2% |
| Year 11 (18 Aug 2017) | ₹1,33,000 | ₹1,09,46,132 | +8130.2% |
| Year 12 (19 Aug 2018) | ₹1,45,000 | ₹1,09,65,740 | +7462.6% |
| Year 13 (18 Aug 2019) | ₹1,57,000 | ₹1,09,73,320 | +6889.4% |
| Year 14 (18 Aug 2020) | ₹1,69,000 | ₹1,09,70,468 | +6391.4% |
| Year 15 (18 Aug 2021) | ₹1,81,000 | ₹1,09,84,083 | +5968.6% |
| Year 16 (18 Aug 2022) | ₹1,93,000 | ₹1,10,09,484 | +5604.4% |
| Year 17 (18 Aug 2023) | ₹2,05,000 | ₹1,10,19,345 | +5275.3% |
| Year 18 (18 Aug 2024) | ₹2,17,000 | ₹1,10,37,529 | +4986.4% |
| Year 19 (18 Aug 2025) | ₹2,29,000 | ₹1,10,43,056 | +4722.3% |
| Year 20 (18 Aug 2026) | ₹2,41,000 | ₹1,10,63,194 | +4490.5% |
Best year of the journey: Year 10 (+8920.4% market move) · Toughest year: Year 11 (-0.2%)
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 HDFC Liquid Fund - IDCW Monthly's published NAV (source: AMFI) between 18 Aug 2006 and 18 Aug 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.