₹25,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹12,61,15,317
18 Aug 2026
Absolute gain
+₹12,15,90,317
+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
₹84,21,285
Modelled at historical FD rates. The fund beat FD by ₹11,76,94,032.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2012) | ₹3,25,000 | ₹3,26,212 | +0.4% |
| Year 2 (18 Aug 2013) | ₹6,25,000 | ₹6,27,748 | +0.4% |
| Year 3 (18 Aug 2014) | ₹9,25,000 | ₹9,28,191 | +0.3% |
| Year 4 (18 Aug 2015) | ₹12,25,000 | ₹12,29,086 | +0.3% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹12,31,95,498 | +7978.4% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹12,33,08,857 | +6656.6% |
| Year 7 (19 Aug 2018) | ₹21,25,000 | ₹12,36,94,944 | +5720.9% |
| Year 8 (18 Aug 2019) | ₹24,25,000 | ₹12,39,45,487 | +5011.2% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹12,40,77,890 | +4453.3% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹12,43,96,412 | +4012.3% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹12,48,48,666 | +3654.8% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹12,51,24,803 | +3351.7% |
| Year 13 (18 Aug 2024) | ₹39,25,000 | ₹12,54,95,477 | +3097.3% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹12,57,22,171 | +2875.7% |
| Year 15 (18 Aug 2026) | ₹45,25,000 | ₹12,61,15,317 | +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.