₹1,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 15 Years
If you had started a ₹1,000/month SIP on 9 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Regular) - Quarterly IDCW's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹2,97,958
8 Oct 2026
Absolute gain
+₹1,16,958
+64.6%
XIRR (annualised)
6.35%
money-weighted
The journey, month by month
Worst fall on the way
-0.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,34,893
Modelled at historical FD rates. The fund trailed FD by ₹36,935.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹13,000 | ₹13,641 | +4.9% |
| Year 2 (8 Oct 2013) | ₹25,000 | ₹27,408 | +9.6% |
| Year 3 (8 Oct 2014) | ₹37,000 | ₹42,479 | +14.8% |
| Year 4 (8 Oct 2015) | ₹49,000 | ₹58,647 | +19.7% |
| Year 5 (9 Oct 2016) | ₹61,000 | ₹75,766 | +24.2% |
| Year 6 (8 Oct 2017) | ₹73,000 | ₹93,306 | +27.8% |
| Year 7 (8 Oct 2018) | ₹85,000 | ₹1,12,380 | +32.2% |
| Year 8 (8 Oct 2019) | ₹97,000 | ₹1,32,823 | +36.9% |
| Year 9 (8 Oct 2020) | ₹1,09,000 | ₹1,51,000 | +38.5% |
| Year 10 (8 Oct 2021) | ₹1,21,000 | ₹1,68,032 | +38.9% |
| Year 11 (9 Oct 2022) | ₹1,33,000 | ₹1,87,294 | +40.8% |
| Year 12 (8 Oct 2023) | ₹1,45,000 | ₹2,12,384 | +46.5% |
| Year 13 (8 Oct 2024) | ₹1,57,000 | ₹2,40,265 | +53% |
| Year 14 (8 Oct 2025) | ₹1,69,000 | ₹2,68,662 | +59% |
| Year 15 (8 Oct 2026) | ₹1,81,000 | ₹2,97,958 | +64.6% |
Best year of the journey: Year 3 (+7.8% market move) · Toughest year: Year 10 (3.1%)
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) - Quarterly IDCW's published NAV (source: AMFI) between 9 Oct 2011 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.