₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹70,41,752
7 Oct 2026
Absolute gain
+₹25,16,752
+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
₹83,70,738
Modelled at historical FD rates. The fund trailed FD by ₹13,28,986.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2012) | ₹3,25,000 | ₹3,40,960 | +4.9% |
| Year 2 (7 Oct 2013) | ₹6,25,000 | ₹5,08,325 | -18.7% |
| Year 3 (7 Oct 2014) | ₹9,25,000 | ₹8,68,586 | -6.1% |
| Year 4 (7 Oct 2015) | ₹12,25,000 | ₹12,55,973 | +2.5% |
| Year 5 (7 Oct 2016) | ₹15,25,000 | ₹16,66,840 | +9.3% |
| Year 6 (8 Oct 2017) | ₹18,25,000 | ₹20,90,535 | +14.5% |
| Year 7 (7 Oct 2018) | ₹21,25,000 | ₹25,49,613 | +20% |
| Year 8 (7 Oct 2019) | ₹24,25,000 | ₹30,42,121 | +25.4% |
| Year 9 (7 Oct 2020) | ₹27,25,000 | ₹34,84,251 | +27.9% |
| Year 10 (7 Oct 2021) | ₹30,25,000 | ₹39,00,445 | +28.9% |
| Year 11 (7 Oct 2022) | ₹33,25,000 | ₹43,68,707 | +31.4% |
| Year 12 (8 Oct 2023) | ₹36,25,000 | ₹49,76,197 | +37.3% |
| Year 13 (7 Oct 2024) | ₹39,25,000 | ₹56,47,821 | +43.9% |
| Year 14 (7 Oct 2025) | ₹42,25,000 | ₹63,34,178 | +49.9% |
| Year 15 (7 Oct 2026) | ₹45,25,000 | ₹70,41,752 | +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.