₹1,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 20 Years
If you had started a ₹1,000/month SIP on 8 Oct 2006 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 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹4,01,247
7 Oct 2026
Absolute gain
+₹1,60,247
+66.5%
XIRR (annualised)
4.83%
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
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,70,868
Modelled at historical FD rates. The fund trailed FD by ₹1,69,621.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2007) | ₹13,000 | ₹13,293 | +2.3% |
| Year 2 (7 Oct 2008) | ₹25,000 | ₹26,944 | +7.8% |
| Year 3 (7 Oct 2009) | ₹37,000 | ₹40,975 | +10.7% |
| Year 4 (7 Oct 2010) | ₹49,000 | ₹55,182 | +12.6% |
| Year 5 (7 Oct 2011) | ₹61,000 | ₹72,382 | +18.7% |
| Year 6 (7 Oct 2012) | ₹73,000 | ₹91,954 | +26% |
| Year 7 (7 Oct 2013) | ₹85,000 | ₹72,420 | -14.8% |
| Year 8 (7 Oct 2014) | ₹97,000 | ₹91,692 | -5.5% |
| Year 9 (7 Oct 2015) | ₹1,09,000 | ₹1,12,134 | +2.9% |
| Year 10 (7 Oct 2016) | ₹1,21,000 | ₹1,33,491 | +10.3% |
| Year 11 (8 Oct 2017) | ₹1,33,000 | ₹1,55,013 | +16.6% |
| Year 12 (7 Oct 2018) | ₹1,45,000 | ₹1,78,455 | +23.1% |
| Year 13 (7 Oct 2019) | ₹1,57,000 | ₹2,03,641 | +29.7% |
| Year 14 (7 Oct 2020) | ₹1,69,000 | ₹2,25,004 | +33.1% |
| Year 15 (7 Oct 2021) | ₹1,81,000 | ₹2,44,394 | +35% |
| Year 16 (7 Oct 2022) | ₹1,93,000 | ₹2,66,790 | +38.2% |
| Year 17 (8 Oct 2023) | ₹2,05,000 | ₹2,97,361 | +45.1% |
| Year 18 (7 Oct 2024) | ₹2,17,000 | ₹3,31,367 | +52.7% |
| Year 19 (7 Oct 2025) | ₹2,29,000 | ₹3,65,867 | +59.8% |
| Year 20 (7 Oct 2026) | ₹2,41,000 | ₹4,01,247 | +66.5% |
Best year of the journey: Year 6 (+9% market move) · Toughest year: Year 7 (-30.3%)
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 (Regular) - Bonus Option - Principal Units's published NAV (source: AMFI) between 8 Oct 2006 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.