₹5,000 Monthly SIP in ICICI Prudential Liquid Fund - Institutional - Daily - Div for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹28,40,003
24 Apr 2020
Absolute gain
+₹19,35,003
+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
₹16,90,497
Modelled at historical FD rates. The fund beat FD by ₹11,49,506.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Apr 2006) | ₹65,000 | ₹11,000 | -83.1% |
| Year 2 (24 Apr 2007) | ₹1,25,000 | ₹71,000 | -43.2% |
| Year 3 (24 Apr 2008) | ₹1,85,000 | ₹1,31,000 | -29.2% |
| Year 4 (24 Apr 2009) | ₹2,45,000 | ₹1,91,000 | -22% |
| Year 5 (25 Apr 2010) | ₹3,05,000 | ₹22,40,001 | +634.4% |
| Year 6 (24 Apr 2011) | ₹3,65,000 | ₹23,00,001 | +530.1% |
| Year 7 (24 Apr 2012) | ₹4,25,000 | ₹23,60,001 | +455.3% |
| Year 8 (24 Apr 2013) | ₹4,85,000 | ₹24,20,001 | +399% |
| Year 9 (24 Apr 2014) | ₹5,45,000 | ₹24,80,005 | +355% |
| Year 10 (24 Apr 2015) | ₹6,05,000 | ₹25,40,005 | +319.8% |
| Year 11 (24 Apr 2016) | ₹6,65,000 | ₹26,00,005 | +291% |
| Year 12 (24 Apr 2017) | ₹7,25,000 | ₹26,60,005 | +266.9% |
| Year 13 (24 Apr 2018) | ₹7,85,000 | ₹27,20,003 | +246.5% |
| Year 14 (24 Apr 2019) | ₹8,45,000 | ₹27,80,003 | +229% |
| Year 15 (24 Apr 2020) | ₹9,05,000 | ₹28,40,003 | +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.
Try a different amount
Try a different duration
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.