₹2,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹2,21,26,389
18 Aug 2026
Absolute gain
+₹2,16,44,389
+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
₹11,43,177
Modelled at historical FD rates. The fund beat FD by ₹2,09,83,212.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹26,000 | ₹26,080 | +0.3% |
| Year 2 (18 Aug 2008) | ₹50,000 | ₹50,210 | +0.4% |
| Year 3 (18 Aug 2009) | ₹74,000 | ₹74,125 | +0.2% |
| Year 4 (18 Aug 2010) | ₹98,000 | ₹98,239 | +0.2% |
| Year 5 (18 Aug 2011) | ₹1,22,000 | ₹1,22,591 | +0.5% |
| Year 6 (20 Aug 2012) | ₹1,46,000 | ₹1,46,613 | +0.4% |
| Year 7 (18 Aug 2013) | ₹1,70,000 | ₹1,70,805 | +0.5% |
| Year 8 (18 Aug 2014) | ₹1,94,000 | ₹1,94,745 | +0.4% |
| Year 9 (18 Aug 2015) | ₹2,18,000 | ₹2,18,799 | +0.4% |
| Year 10 (18 Aug 2016) | ₹2,42,000 | ₹2,19,01,499 | +8950.2% |
| Year 11 (18 Aug 2017) | ₹2,66,000 | ₹2,18,92,265 | +8130.2% |
| Year 12 (19 Aug 2018) | ₹2,90,000 | ₹2,19,31,480 | +7462.6% |
| Year 13 (18 Aug 2019) | ₹3,14,000 | ₹2,19,46,640 | +6889.4% |
| Year 14 (18 Aug 2020) | ₹3,38,000 | ₹2,19,40,936 | +6391.4% |
| Year 15 (18 Aug 2021) | ₹3,62,000 | ₹2,19,68,166 | +5968.6% |
| Year 16 (18 Aug 2022) | ₹3,86,000 | ₹2,20,18,969 | +5604.4% |
| Year 17 (18 Aug 2023) | ₹4,10,000 | ₹2,20,38,690 | +5275.3% |
| Year 18 (18 Aug 2024) | ₹4,34,000 | ₹2,20,75,057 | +4986.4% |
| Year 19 (18 Aug 2025) | ₹4,58,000 | ₹2,20,86,112 | +4722.3% |
| Year 20 (18 Aug 2026) | ₹4,82,000 | ₹2,21,26,389 | +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.