₹5,000 Monthly SIP in ICICI Prudential Liquid Fund - Half Yearly IDCW for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹6,10,833
16 Sept 2022
Absolute gain
+₹5,833
+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
₹9,02,840
Modelled at historical FD rates. The fund trailed FD by ₹2,92,007.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2013) | ₹65,000 | ₹66,410 | +2.2% |
| Year 2 (16 Sept 2014) | ₹1,25,000 | ₹1,29,911 | +3.9% |
| Year 3 (16 Sept 2015) | ₹1,85,000 | ₹1,90,957 | +3.2% |
| Year 4 (16 Sept 2016) | ₹2,45,000 | ₹2,51,604 | +2.7% |
| Year 5 (16 Sept 2017) | ₹3,05,000 | ₹3,11,034 | +2% |
| Year 6 (16 Sept 2018) | ₹3,65,000 | ₹3,73,496 | +2.3% |
| Year 7 (16 Sept 2019) | ₹4,25,000 | ₹4,33,559 | +2% |
| Year 8 (16 Sept 2020) | ₹4,85,000 | ₹4,88,701 | +0.8% |
| Year 9 (16 Sept 2021) | ₹5,45,000 | ₹5,46,986 | +0.4% |
| Year 10 (16 Sept 2022) | ₹6,05,000 | ₹6,10,833 | +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.