₹10,000 Monthly SIP in JM Liquid Fund (Direct) - Bonus Option - Bonus Option - Principal units for 10 Years
If you had started a ₹10,000/month SIP on 27 Jan 2015 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Direct) - Bonus Option - Bonus Option - Principal units's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,51,467
27 Jan 2025
Absolute gain
+₹4,41,467
+36.5%
XIRR (annualised)
6.02%
money-weighted
The journey, month by month
Worst fall on the way
-0.1%
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
₹17,15,005
Modelled at historical FD rates. The fund trailed FD by ₹63,538.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2016) | ₹1,30,000 | ₹1,36,067 | +4.7% |
| Year 2 (27 Jan 2017) | ₹2,50,000 | ₹2,71,545 | +8.6% |
| Year 3 (28 Jan 2018) | ₹3,70,000 | ₹4,14,448 | +12% |
| Year 4 (27 Jan 2019) | ₹4,90,000 | ₹5,70,600 | +16.4% |
| Year 5 (27 Jan 2020) | ₹6,10,000 | ₹7,31,685 | +19.9% |
| Year 6 (27 Jan 2021) | ₹7,30,000 | ₹8,82,749 | +20.9% |
| Year 7 (27 Jan 2022) | ₹8,50,000 | ₹10,35,395 | +21.8% |
| Year 8 (27 Jan 2023) | ₹9,70,000 | ₹12,11,868 | +24.9% |
| Year 9 (28 Jan 2024) | ₹10,90,000 | ₹14,22,973 | +30.5% |
| Year 10 (27 Jan 2025) | ₹12,10,000 | ₹16,51,467 | +36.5% |
Best year of the journey: Year 10 (+7% market move) · Toughest year: Year 7 (3.3%)
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 JM Liquid Fund (Direct) - Bonus Option - Bonus Option - Principal units's published NAV (source: AMFI) between 27 Jan 2015 and 27 Jan 2025; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.