₹1,000 Monthly SIP in ICICI Prudential Money Market Fund Option - Monthly IDCW for 15 Years
If you had started a ₹1,000/month SIP on 16 Sept 2007 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Money Market Fund Option - Monthly IDCW's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹4,17,708
16 Sept 2022
Absolute gain
+₹2,36,708
+130.8%
XIRR (annualised)
10.39%
money-weighted
The journey, month by month
Worst fall on the way
-1.2%
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
₹3,44,221
Modelled at historical FD rates. The fund beat FD by ₹73,487.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2008) | ₹13,000 | ₹13,048 | +0.4% |
| Year 2 (16 Sept 2009) | ₹25,000 | ₹25,047 | +0.2% |
| Year 3 (16 Sept 2010) | ₹37,000 | ₹2,71,786 | +634.6% |
| Year 4 (16 Sept 2011) | ₹49,000 | ₹2,84,481 | +480.6% |
| Year 5 (16 Sept 2012) | ₹61,000 | ₹2,96,431 | +386% |
| Year 6 (16 Sept 2013) | ₹73,000 | ₹3,08,897 | +323.1% |
| Year 7 (16 Sept 2014) | ₹85,000 | ₹3,20,847 | +277.5% |
| Year 8 (16 Sept 2015) | ₹97,000 | ₹3,32,479 | +242.8% |
| Year 9 (16 Sept 2016) | ₹1,09,000 | ₹3,44,266 | +215.8% |
| Year 10 (17 Sept 2017) | ₹1,21,000 | ₹3,56,267 | +194.4% |
| Year 11 (17 Sept 2018) | ₹1,33,000 | ₹3,68,241 | +176.9% |
| Year 12 (16 Sept 2019) | ₹1,45,000 | ₹3,81,004 | +162.8% |
| Year 13 (16 Sept 2020) | ₹1,57,000 | ₹3,93,517 | +150.6% |
| Year 14 (16 Sept 2021) | ₹1,69,000 | ₹4,05,392 | +139.9% |
| Year 15 (16 Sept 2022) | ₹1,81,000 | ₹4,17,708 | +130.8% |
Best year of the journey: Year 3 (+633.6% market move) · Toughest year: Year 8 (-0.1%)
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 Money Market funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using ICICI Prudential Money Market Fund Option - Monthly 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.