₹10,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 20 Years
If you had started a ₹10,000/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
₹24,10,000
241 installments
Value today
₹40,12,470
7 Oct 2026
Absolute gain
+₹16,02,470
+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
₹57,08,676
Modelled at historical FD rates. The fund trailed FD by ₹16,96,206.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2007) | ₹1,30,000 | ₹1,32,927 | +2.3% |
| Year 2 (7 Oct 2008) | ₹2,50,000 | ₹2,69,439 | +7.8% |
| Year 3 (7 Oct 2009) | ₹3,70,000 | ₹4,09,754 | +10.7% |
| Year 4 (7 Oct 2010) | ₹4,90,000 | ₹5,51,819 | +12.6% |
| Year 5 (7 Oct 2011) | ₹6,10,000 | ₹7,23,822 | +18.7% |
| Year 6 (7 Oct 2012) | ₹7,30,000 | ₹9,19,540 | +26% |
| Year 7 (7 Oct 2013) | ₹8,50,000 | ₹7,24,202 | -14.8% |
| Year 8 (7 Oct 2014) | ₹9,70,000 | ₹9,16,915 | -5.5% |
| Year 9 (7 Oct 2015) | ₹10,90,000 | ₹11,21,343 | +2.9% |
| Year 10 (7 Oct 2016) | ₹12,10,000 | ₹13,34,907 | +10.3% |
| Year 11 (8 Oct 2017) | ₹13,30,000 | ₹15,50,133 | +16.6% |
| Year 12 (7 Oct 2018) | ₹14,50,000 | ₹17,84,554 | +23.1% |
| Year 13 (7 Oct 2019) | ₹15,70,000 | ₹20,36,412 | +29.7% |
| Year 14 (7 Oct 2020) | ₹16,90,000 | ₹22,50,037 | +33.1% |
| Year 15 (7 Oct 2021) | ₹18,10,000 | ₹24,43,937 | +35% |
| Year 16 (7 Oct 2022) | ₹19,30,000 | ₹26,67,898 | +38.2% |
| Year 17 (8 Oct 2023) | ₹20,50,000 | ₹29,73,613 | +45.1% |
| Year 18 (7 Oct 2024) | ₹21,70,000 | ₹33,13,665 | +52.7% |
| Year 19 (7 Oct 2025) | ₹22,90,000 | ₹36,58,669 | +59.8% |
| Year 20 (7 Oct 2026) | ₹24,10,000 | ₹40,12,470 | +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.