₹25,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹27,65,79,861
18 Aug 2026
Absolute gain
+₹27,05,54,861
+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
₹1,42,89,708
Modelled at historical FD rates. The fund beat FD by ₹26,22,90,153.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹3,25,000 | ₹3,25,996 | +0.3% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹6,27,624 | +0.4% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹9,26,569 | +0.2% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹12,27,992 | +0.2% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹15,32,381 | +0.5% |
| Year 6 (20 Aug 2012) | ₹18,25,000 | ₹18,32,658 | +0.4% |
| Year 7 (18 Aug 2013) | ₹21,25,000 | ₹21,35,056 | +0.5% |
| Year 8 (18 Aug 2014) | ₹24,25,000 | ₹24,34,316 | +0.4% |
| Year 9 (18 Aug 2015) | ₹27,25,000 | ₹27,34,992 | +0.4% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹27,37,68,742 | +8950.2% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹27,36,53,310 | +8130.2% |
| Year 12 (19 Aug 2018) | ₹36,25,000 | ₹27,41,43,497 | +7462.6% |
| Year 13 (18 Aug 2019) | ₹39,25,000 | ₹27,43,32,994 | +6889.4% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹27,42,61,696 | +6391.4% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹27,46,02,081 | +5968.6% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹27,52,37,107 | +5604.4% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹27,54,83,627 | +5275.3% |
| Year 18 (18 Aug 2024) | ₹54,25,000 | ₹27,59,38,218 | +4986.4% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹27,60,76,395 | +4722.3% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹27,65,79,861 | +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.