₹1,000 Monthly SIP in JM Liquid Fund (Direct) - Quarterly IDCW for 5 Years
If you had started a ₹1,000/month SIP on 7 Oct 2021 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 61 installments.
You invested
₹61,000
61 installments
Value today
₹72,114
7 Oct 2026
Absolute gain
+₹11,114
+18.2%
XIRR (annualised)
6.69%
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
₹71,636
Modelled at historical FD rates. The fund beat FD by ₹478.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹13,000 | ₹13,308 | +2.4% |
| Year 2 (8 Oct 2023) | ₹25,000 | ₹26,627 | +6.5% |
| Year 3 (7 Oct 2024) | ₹37,000 | ₹41,003 | +10.8% |
| Year 4 (7 Oct 2025) | ₹49,000 | ₹56,152 | +14.6% |
| Year 5 (7 Oct 2026) | ₹61,000 | ₹72,114 | +18.2% |
Best year of the journey: Year 3 (+6.2% market move) · Toughest year: Year 1 (2.4%)
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 2021 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.