₹1,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 15 Years
If you had started a ₹1,000/month SIP on 7 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Regular) - Bonus Option - Principal Units's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹2,81,670
7 Oct 2026
Absolute gain
+₹1,00,670
+55.6%
XIRR (annualised)
5.66%
money-weighted
The journey, month by month
Worst fall on the way
-39%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,34,830
Modelled at historical FD rates. The fund trailed FD by ₹53,160.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2012) | ₹13,000 | ₹13,638 | +4.9% |
| Year 2 (7 Oct 2013) | ₹25,000 | ₹20,333 | -18.7% |
| Year 3 (7 Oct 2014) | ₹37,000 | ₹34,743 | -6.1% |
| Year 4 (7 Oct 2015) | ₹49,000 | ₹50,239 | +2.5% |
| Year 5 (7 Oct 2016) | ₹61,000 | ₹66,674 | +9.3% |
| Year 6 (8 Oct 2017) | ₹73,000 | ₹83,621 | +14.5% |
| Year 7 (7 Oct 2018) | ₹85,000 | ₹1,01,985 | +20% |
| Year 8 (7 Oct 2019) | ₹97,000 | ₹1,21,685 | +25.4% |
| Year 9 (7 Oct 2020) | ₹1,09,000 | ₹1,39,370 | +27.9% |
| Year 10 (7 Oct 2021) | ₹1,21,000 | ₹1,56,018 | +28.9% |
| Year 11 (7 Oct 2022) | ₹1,33,000 | ₹1,74,748 | +31.4% |
| Year 12 (8 Oct 2023) | ₹1,45,000 | ₹1,99,048 | +37.3% |
| Year 13 (7 Oct 2024) | ₹1,57,000 | ₹2,25,913 | +43.9% |
| Year 14 (7 Oct 2025) | ₹1,69,000 | ₹2,53,367 | +49.9% |
| Year 15 (7 Oct 2026) | ₹1,81,000 | ₹2,81,670 | +55.6% |
Best year of the journey: Year 3 (+7.5% market move) · Toughest year: Year 2 (-20.7%)
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 (Regular) - Bonus Option - Principal Units's published NAV (source: AMFI) between 7 Oct 2011 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.