₹10,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 15 Years
If you had started a ₹10,000/month SIP on 18 Aug 2011 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Liquid Fund - IDCW Monthly's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹5,04,46,127
18 Aug 2026
Absolute gain
+₹4,86,36,127
+2687.1%
XIRR (annualised)
38.65%
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
₹33,68,514
Modelled at historical FD rates. The fund beat FD by ₹4,70,77,613.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2012) | ₹1,30,000 | ₹1,30,485 | +0.4% |
| Year 2 (18 Aug 2013) | ₹2,50,000 | ₹2,51,099 | +0.4% |
| Year 3 (18 Aug 2014) | ₹3,70,000 | ₹3,71,276 | +0.3% |
| Year 4 (18 Aug 2015) | ₹4,90,000 | ₹4,91,634 | +0.3% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹4,92,78,199 | +7978.4% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹4,93,23,543 | +6656.6% |
| Year 7 (19 Aug 2018) | ₹8,50,000 | ₹4,94,77,978 | +5720.9% |
| Year 8 (18 Aug 2019) | ₹9,70,000 | ₹4,95,78,195 | +5011.2% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹4,96,31,156 | +4453.3% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹4,97,58,565 | +4012.3% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹4,99,39,466 | +3654.8% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹5,00,49,921 | +3351.7% |
| Year 13 (18 Aug 2024) | ₹15,70,000 | ₹5,01,98,191 | +3097.3% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹5,02,88,868 | +2875.7% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹5,04,46,127 | +2687.1% |
Best year of the journey: Year 5 (+7956.8% market move) · Toughest year: Year 6 (-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 2011 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.