₹10,000 Monthly SIP in HDFC Liquid Fund-PREMIUM PLUS for 5 Years
If you had started a ₹10,000/month SIP on 17 Dec 2007 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Liquid Fund-PREMIUM PLUS's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹3,24,759
17 Dec 2012
Absolute gain
₹-2,85,241
-46.8%
XIRR (annualised)
-24.46%
money-weighted
The journey, month by month
Worst fall on the way
-56.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,50,420
Modelled at historical FD rates. The fund trailed FD by ₹4,25,661.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (17 Dec 2008) | ₹1,30,000 | ₹1,36,403 | +4.9% |
| Year 2 (17 Dec 2009) | ₹2,50,000 | ₹2,67,146 | +6.9% |
| Year 3 (19 Dec 2010) | ₹3,70,000 | ₹4,04,943 | +9.4% |
| Year 4 (18 Dec 2011) | ₹4,90,000 | ₹5,66,207 | +15.6% |
| Year 5 (17 Dec 2012) | ₹6,10,000 | ₹3,24,759 | -46.8% |
Best year of the journey: Year 4 (+7.9% market move) · Toughest year: Year 5 (-52.7%)
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-PREMIUM PLUS's published NAV (source: AMFI) between 17 Dec 2007 and 17 Dec 2012; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.