₹5,000 Monthly SIP in JM Liquid Fund (Direct) - Bonus Option - Bonus Option - Principal units for 3 Years
If you had started a ₹5,000/month SIP on 27 Jan 2022 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,06,182
27 Jan 2025
Absolute gain
+₹21,182
+11.4%
XIRR (annualised)
7.02%
money-weighted
The journey, month by month
Worst fall on the way
0%
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
₹2,04,048
Modelled at historical FD rates. The fund beat FD by ₹2,134.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Jan 2023) | ₹65,000 | ₹67,055 | +3.2% |
| Year 2 (28 Jan 2024) | ₹1,25,000 | ₹1,34,114 | +7.3% |
| Year 3 (27 Jan 2025) | ₹1,85,000 | ₹2,06,182 | +11.4% |
Best year of the journey: Year 3 (+6.2% market move) · Toughest year: Year 1 (3.2%)
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 2022 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.