₹5,000 Monthly SIP in HDFC Liquid Fund - IDCW Monthly for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹5,53,15,972
18 Aug 2026
Absolute gain
+₹5,41,10,972
+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
₹28,57,942
Modelled at historical FD rates. The fund beat FD by ₹5,24,58,030.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹65,000 | ₹65,199 | +0.3% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,25,525 | +0.4% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹1,85,314 | +0.2% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹2,45,598 | +0.2% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹3,06,476 | +0.5% |
| Year 6 (20 Aug 2012) | ₹3,65,000 | ₹3,66,532 | +0.4% |
| Year 7 (18 Aug 2013) | ₹4,25,000 | ₹4,27,011 | +0.5% |
| Year 8 (18 Aug 2014) | ₹4,85,000 | ₹4,86,863 | +0.4% |
| Year 9 (18 Aug 2015) | ₹5,45,000 | ₹5,46,998 | +0.4% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹5,47,53,748 | +8950.2% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹5,47,30,662 | +8130.2% |
| Year 12 (19 Aug 2018) | ₹7,25,000 | ₹5,48,28,699 | +7462.6% |
| Year 13 (18 Aug 2019) | ₹7,85,000 | ₹5,48,66,599 | +6889.4% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹5,48,52,339 | +6391.4% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹5,49,20,416 | +5968.6% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹5,50,47,421 | +5604.4% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹5,50,96,725 | +5275.3% |
| Year 18 (18 Aug 2024) | ₹10,85,000 | ₹5,51,87,644 | +4986.4% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹5,52,15,279 | +4722.3% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹5,53,15,972 | +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.