₹10,000 Monthly SIP in ICICI Prudential Liquid Fund - Half Yearly IDCW for 10 Years
If you had started a ₹10,000/month SIP on 16 Sept 2012 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Liquid Fund - Half Yearly IDCW's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹12,21,667
16 Sept 2022
Absolute gain
+₹11,667
+1%
XIRR (annualised)
0.19%
money-weighted
The journey, month by month
Worst fall on the way
-4.4%
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
₹18,05,679
Modelled at historical FD rates. The fund trailed FD by ₹5,84,012.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2013) | ₹1,30,000 | ₹1,32,821 | +2.2% |
| Year 2 (16 Sept 2014) | ₹2,50,000 | ₹2,59,822 | +3.9% |
| Year 3 (16 Sept 2015) | ₹3,70,000 | ₹3,81,914 | +3.2% |
| Year 4 (16 Sept 2016) | ₹4,90,000 | ₹5,03,208 | +2.7% |
| Year 5 (16 Sept 2017) | ₹6,10,000 | ₹6,22,067 | +2% |
| Year 6 (16 Sept 2018) | ₹7,30,000 | ₹7,46,993 | +2.3% |
| Year 7 (16 Sept 2019) | ₹8,50,000 | ₹8,67,118 | +2% |
| Year 8 (16 Sept 2020) | ₹9,70,000 | ₹9,77,402 | +0.8% |
| Year 9 (16 Sept 2021) | ₹10,90,000 | ₹10,93,973 | +0.4% |
| Year 10 (16 Sept 2022) | ₹12,10,000 | ₹12,21,667 | +1% |
Best year of the journey: Year 2 (+2.8% market move) · Toughest year: Year 8 (-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 ICICI Prudential Liquid Fund - Half Yearly IDCW's published NAV (source: AMFI) between 16 Sept 2012 and 16 Sept 2022; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.