₹1,000 Monthly SIP in JM Liquid Fund (Direct) - Quarterly IDCW for 10 Years
If you had started a ₹1,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Direct) - Quarterly IDCW's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,64,988
7 Oct 2026
Absolute gain
+₹43,988
+36.4%
XIRR (annualised)
6.07%
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
₹1,67,946
Modelled at historical FD rates. The fund trailed FD by ₹2,958.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2017) | ₹13,000 | ₹13,457 | +3.5% |
| Year 2 (7 Oct 2018) | ₹25,000 | ₹26,845 | +7.4% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹41,183 | +11.3% |
| Year 4 (7 Oct 2020) | ₹49,000 | ₹55,296 | +12.8% |
| Year 5 (7 Oct 2021) | ₹61,000 | ₹69,301 | +13.6% |
| Year 6 (7 Oct 2022) | ₹73,000 | ₹84,510 | +15.8% |
| Year 7 (8 Oct 2023) | ₹85,000 | ₹1,02,756 | +20.9% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹1,22,744 | +26.5% |
| Year 9 (7 Oct 2025) | ₹1,09,000 | ₹1,43,442 | +31.6% |
| Year 10 (7 Oct 2026) | ₹1,21,000 | ₹1,64,988 | +36.4% |
Best year of the journey: Year 8 (+7% market move) · Toughest year: Year 5 (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) - Quarterly IDCW's published NAV (source: AMFI) between 7 Oct 2016 and 7 Oct 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.