₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹14,08,350
7 Oct 2026
Absolute gain
+₹5,03,350
+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
₹16,74,148
Modelled at historical FD rates. The fund trailed FD by ₹2,65,798.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2012) | ₹65,000 | ₹68,192 | +4.9% |
| Year 2 (7 Oct 2013) | ₹1,25,000 | ₹1,01,665 | -18.7% |
| Year 3 (7 Oct 2014) | ₹1,85,000 | ₹1,73,717 | -6.1% |
| Year 4 (7 Oct 2015) | ₹2,45,000 | ₹2,51,195 | +2.5% |
| Year 5 (7 Oct 2016) | ₹3,05,000 | ₹3,33,368 | +9.3% |
| Year 6 (8 Oct 2017) | ₹3,65,000 | ₹4,18,107 | +14.5% |
| Year 7 (7 Oct 2018) | ₹4,25,000 | ₹5,09,923 | +20% |
| Year 8 (7 Oct 2019) | ₹4,85,000 | ₹6,08,424 | +25.4% |
| Year 9 (7 Oct 2020) | ₹5,45,000 | ₹6,96,850 | +27.9% |
| Year 10 (7 Oct 2021) | ₹6,05,000 | ₹7,80,089 | +28.9% |
| Year 11 (7 Oct 2022) | ₹6,65,000 | ₹8,73,741 | +31.4% |
| Year 12 (8 Oct 2023) | ₹7,25,000 | ₹9,95,239 | +37.3% |
| Year 13 (7 Oct 2024) | ₹7,85,000 | ₹11,29,564 | +43.9% |
| Year 14 (7 Oct 2025) | ₹8,45,000 | ₹12,66,836 | +49.9% |
| Year 15 (7 Oct 2026) | ₹9,05,000 | ₹14,08,350 | +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.