₹10,000 Monthly SIP in JM Liquid Fund (Direct) - Bonus Option - Bonus Option - Principal units for 5 Years
If you had started a ₹10,000/month SIP on 27 Jan 2020 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,13,713
27 Jan 2025
Absolute gain
+₹1,03,713
+17%
XIRR (annualised)
6.14%
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
₹7,06,884
Modelled at historical FD rates. The fund beat FD by ₹6,829.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2021) | ₹1,30,000 | ₹1,32,598 | +2% |
| Year 2 (27 Jan 2022) | ₹2,50,000 | ₹2,59,375 | +3.8% |
| Year 3 (27 Jan 2023) | ₹3,70,000 | ₹3,96,219 | +7.1% |
| Year 4 (28 Jan 2024) | ₹4,90,000 | ₹5,49,061 | +12.1% |
| Year 5 (27 Jan 2025) | ₹6,10,000 | ₹7,13,713 | +17% |
Best year of the journey: Year 5 (+6.7% market move) · Toughest year: Year 1 (2%)
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 2020 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.