₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹1,00,31,175
7 Oct 2026
Absolute gain
+₹40,06,175
+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
₹1,42,71,689
Modelled at historical FD rates. The fund trailed FD by ₹42,40,514.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2007) | ₹3,25,000 | ₹3,32,317 | +2.3% |
| Year 2 (7 Oct 2008) | ₹6,25,000 | ₹6,73,597 | +7.8% |
| Year 3 (7 Oct 2009) | ₹9,25,000 | ₹10,24,386 | +10.7% |
| Year 4 (7 Oct 2010) | ₹12,25,000 | ₹13,79,547 | +12.6% |
| Year 5 (7 Oct 2011) | ₹15,25,000 | ₹18,09,554 | +18.7% |
| Year 6 (7 Oct 2012) | ₹18,25,000 | ₹22,98,849 | +26% |
| Year 7 (7 Oct 2013) | ₹21,25,000 | ₹18,10,504 | -14.8% |
| Year 8 (7 Oct 2014) | ₹24,25,000 | ₹22,92,288 | -5.5% |
| Year 9 (7 Oct 2015) | ₹27,25,000 | ₹28,03,359 | +2.9% |
| Year 10 (7 Oct 2016) | ₹30,25,000 | ₹33,37,267 | +10.3% |
| Year 11 (8 Oct 2017) | ₹33,25,000 | ₹38,75,332 | +16.6% |
| Year 12 (7 Oct 2018) | ₹36,25,000 | ₹44,61,385 | +23.1% |
| Year 13 (7 Oct 2019) | ₹39,25,000 | ₹50,91,030 | +29.7% |
| Year 14 (7 Oct 2020) | ₹42,25,000 | ₹56,25,092 | +33.1% |
| Year 15 (7 Oct 2021) | ₹45,25,000 | ₹61,09,843 | +35% |
| Year 16 (7 Oct 2022) | ₹48,25,000 | ₹66,69,745 | +38.2% |
| Year 17 (8 Oct 2023) | ₹51,25,000 | ₹74,34,031 | +45.1% |
| Year 18 (7 Oct 2024) | ₹54,25,000 | ₹82,84,163 | +52.7% |
| Year 19 (7 Oct 2025) | ₹57,25,000 | ₹91,46,672 | +59.8% |
| Year 20 (7 Oct 2026) | ₹60,25,000 | ₹1,00,31,175 | +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.