₹25,000 Monthly SIP in ICICI Prudential Liquid Fund - Institutional - Daily - Div for 15 Years
If you had started a ₹25,000/month SIP on 24 Apr 2005 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Liquid Fund - Institutional - Daily - Div's actual NAV for all 181 installments.
You invested
₹45,25,000
181 installments
Value today
₹1,42,00,014
24 Apr 2020
Absolute gain
+₹96,75,014
+213.8%
XIRR (annualised)
13.94%
money-weighted
The journey, month by month
Worst fall on the way
-89.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹84,52,484
Modelled at historical FD rates. The fund beat FD by ₹57,47,530.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Apr 2006) | ₹3,25,000 | ₹55,001 | -83.1% |
| Year 2 (24 Apr 2007) | ₹6,25,000 | ₹3,55,001 | -43.2% |
| Year 3 (24 Apr 2008) | ₹9,25,000 | ₹6,55,001 | -29.2% |
| Year 4 (24 Apr 2009) | ₹12,25,000 | ₹9,55,001 | -22% |
| Year 5 (25 Apr 2010) | ₹15,25,000 | ₹1,12,00,005 | +634.4% |
| Year 6 (24 Apr 2011) | ₹18,25,000 | ₹1,15,00,005 | +530.1% |
| Year 7 (24 Apr 2012) | ₹21,25,000 | ₹1,18,00,005 | +455.3% |
| Year 8 (24 Apr 2013) | ₹24,25,000 | ₹1,21,00,005 | +399% |
| Year 9 (24 Apr 2014) | ₹27,25,000 | ₹1,24,00,026 | +355% |
| Year 10 (24 Apr 2015) | ₹30,25,000 | ₹1,27,00,026 | +319.8% |
| Year 11 (24 Apr 2016) | ₹33,25,000 | ₹1,30,00,026 | +291% |
| Year 12 (24 Apr 2017) | ₹36,25,000 | ₹1,33,00,026 | +266.9% |
| Year 13 (24 Apr 2018) | ₹39,25,000 | ₹1,36,00,014 | +246.5% |
| Year 14 (24 Apr 2019) | ₹42,25,000 | ₹1,39,00,014 | +229% |
| Year 15 (24 Apr 2020) | ₹45,25,000 | ₹1,42,00,014 | +213.8% |
Best year of the journey: Year 5 (+792.4% market move) · Toughest year: Year 1 (-83.1%)
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 - Institutional - Daily - Div's published NAV (source: AMFI) between 24 Apr 2005 and 24 Apr 2020; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.