₹10,000 Monthly SIP in ICICI Prudential Liquid Fund - Half Yearly IDCW for 15 Years
If you had started a ₹10,000/month SIP on 16 Sept 2007 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 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹42,79,387
16 Sept 2022
Absolute gain
+₹24,69,387
+136.4%
XIRR (annualised)
10.67%
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
₹34,42,253
Modelled at historical FD rates. The fund beat FD by ₹8,37,134.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2008) | ₹1,30,000 | ₹1,32,706 | +2.1% |
| Year 2 (16 Sept 2009) | ₹2,50,000 | ₹2,50,988 | +0.4% |
| Year 3 (16 Sept 2010) | ₹3,70,000 | ₹27,26,379 | +636.9% |
| Year 4 (16 Sept 2011) | ₹4,90,000 | ₹28,57,172 | +483.1% |
| Year 5 (16 Sept 2012) | ₹6,10,000 | ₹30,26,407 | +396.1% |
| Year 6 (16 Sept 2013) | ₹7,30,000 | ₹31,51,167 | +331.7% |
| Year 7 (16 Sept 2014) | ₹8,50,000 | ₹33,78,553 | +297.5% |
| Year 8 (16 Sept 2015) | ₹9,70,000 | ₹34,95,962 | +260.4% |
| Year 9 (16 Sept 2016) | ₹10,90,000 | ₹36,09,042 | +231.1% |
| Year 10 (16 Sept 2017) | ₹12,10,000 | ₹37,09,025 | +206.5% |
| Year 11 (16 Sept 2018) | ₹13,30,000 | ₹38,46,917 | +189.2% |
| Year 12 (16 Sept 2019) | ₹14,50,000 | ₹39,59,606 | +173.1% |
| Year 13 (16 Sept 2020) | ₹15,70,000 | ₹40,31,709 | +156.8% |
| Year 14 (16 Sept 2021) | ₹16,90,000 | ₹41,34,518 | +144.6% |
| Year 15 (16 Sept 2022) | ₹18,10,000 | ₹42,79,387 | +136.4% |
Best year of the journey: Year 3 (+634.9% market move) · Toughest year: Year 13 (-1.2%)
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 ICICI Prudential Liquid Fund - Half Yearly IDCW's published NAV (source: AMFI) between 16 Sept 2007 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.