₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Bonus Option - Principal Units for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹20,06,683
8 Oct 2026
Absolute gain
+₹8,01,683
+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
₹28,54,918
Modelled at historical FD rates. The fund trailed FD by ₹8,48,235.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹65,000 | ₹66,475 | +2.3% |
| Year 2 (8 Oct 2008) | ₹1,25,000 | ₹1,34,758 | +7.8% |
| Year 3 (8 Oct 2009) | ₹1,85,000 | ₹2,04,901 | +10.8% |
| Year 4 (8 Oct 2010) | ₹2,45,000 | ₹2,75,960 | +12.6% |
| Year 5 (9 Oct 2011) | ₹3,05,000 | ₹3,62,091 | +18.7% |
| Year 6 (8 Oct 2012) | ₹3,65,000 | ₹4,59,875 | +26% |
| Year 7 (8 Oct 2013) | ₹4,25,000 | ₹3,62,233 | -14.8% |
| Year 8 (8 Oct 2014) | ₹4,85,000 | ₹4,58,567 | -5.5% |
| Year 9 (8 Oct 2015) | ₹5,45,000 | ₹5,60,791 | +2.9% |
| Year 10 (9 Oct 2016) | ₹6,05,000 | ₹6,67,701 | +10.4% |
| Year 11 (8 Oct 2017) | ₹6,65,000 | ₹7,75,066 | +16.6% |
| Year 12 (8 Oct 2018) | ₹7,25,000 | ₹8,92,453 | +23.1% |
| Year 13 (8 Oct 2019) | ₹7,85,000 | ₹10,18,363 | +29.7% |
| Year 14 (8 Oct 2020) | ₹8,45,000 | ₹11,25,120 | +33.2% |
| Year 15 (8 Oct 2021) | ₹9,05,000 | ₹12,22,157 | +35% |
| Year 16 (9 Oct 2022) | ₹9,65,000 | ₹13,34,378 | +38.3% |
| Year 17 (8 Oct 2023) | ₹10,25,000 | ₹14,86,806 | +45.1% |
| Year 18 (8 Oct 2024) | ₹10,85,000 | ₹16,57,153 | +52.7% |
| Year 19 (8 Oct 2025) | ₹11,45,000 | ₹18,29,563 | +59.8% |
| Year 20 (8 Oct 2026) | ₹12,05,000 | ₹20,06,683 | +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 8 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.