₹5,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 10 Years
If you had started a ₹5,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Liquid Fund - IDCW Monthly's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹6,06,747
18 Aug 2026
Absolute gain
+₹1,747
+0.3%
XIRR (annualised)
0.06%
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
₹8,42,273
Modelled at historical FD rates. The fund trailed FD by ₹2,35,526.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹65,000 | ₹65,102 | +0.2% |
| Year 2 (19 Aug 2018) | ₹1,25,000 | ₹1,25,289 | +0.2% |
| Year 3 (18 Aug 2019) | ₹1,85,000 | ₹1,85,385 | +0.2% |
| Year 4 (18 Aug 2020) | ₹2,45,000 | ₹2,45,191 | +0.1% |
| Year 5 (18 Aug 2021) | ₹3,05,000 | ₹3,05,319 | +0.1% |
| Year 6 (18 Aug 2022) | ₹3,65,000 | ₹3,65,868 | +0.2% |
| Year 7 (18 Aug 2023) | ₹4,25,000 | ₹4,25,940 | +0.2% |
| Year 8 (18 Aug 2024) | ₹4,85,000 | ₹4,86,347 | +0.3% |
| Year 9 (18 Aug 2025) | ₹5,45,000 | ₹5,46,167 | +0.2% |
| Year 10 (18 Aug 2026) | ₹6,05,000 | ₹6,06,747 | +0.3% |
Best year of the journey: Year 1 (+0.2% market move) · Toughest year: Year 4 (-0.1%)
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 2016 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.