₹1,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 20 Years
If you had started a ₹1,000/month SIP on 8 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Regular) - Quarterly IDCW's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹4,92,935
8 Oct 2026
Absolute gain
+₹2,51,935
+104.5%
XIRR (annualised)
6.67%
money-weighted
The journey, month by month
Worst fall on the way
-1.7%
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
₹5,70,984
Modelled at historical FD rates. The fund trailed FD by ₹78,049.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹13,000 | ₹13,466 | +3.6% |
| Year 2 (8 Oct 2008) | ₹25,000 | ₹27,139 | +8.6% |
| Year 3 (8 Oct 2009) | ₹37,000 | ₹40,601 | +9.7% |
| Year 4 (8 Oct 2010) | ₹49,000 | ₹54,795 | +11.8% |
| Year 5 (9 Oct 2011) | ₹61,000 | ₹71,989 | +18% |
| Year 6 (8 Oct 2012) | ₹73,000 | ₹91,506 | +25.4% |
| Year 7 (8 Oct 2013) | ₹85,000 | ₹1,12,350 | +32.2% |
| Year 8 (8 Oct 2014) | ₹97,000 | ₹1,35,337 | +39.5% |
| Year 9 (8 Oct 2015) | ₹1,09,000 | ₹1,59,570 | +46.4% |
| Year 10 (9 Oct 2016) | ₹1,21,000 | ₹1,84,731 | +52.7% |
| Year 11 (8 Oct 2017) | ₹1,33,000 | ₹2,09,689 | +57.7% |
| Year 12 (8 Oct 2018) | ₹1,45,000 | ₹2,37,067 | +63.5% |
| Year 13 (8 Oct 2019) | ₹1,57,000 | ₹2,66,449 | +69.7% |
| Year 14 (8 Oct 2020) | ₹1,69,000 | ₹2,90,612 | +72% |
| Year 15 (8 Oct 2021) | ₹1,81,000 | ₹3,12,124 | +72.4% |
| Year 16 (9 Oct 2022) | ₹1,93,000 | ₹3,37,386 | +74.8% |
| Year 17 (8 Oct 2023) | ₹2,05,000 | ₹3,72,654 | +81.8% |
| Year 18 (8 Oct 2024) | ₹2,17,000 | ₹4,12,207 | +90% |
| Year 19 (8 Oct 2025) | ₹2,29,000 | ₹4,52,081 | +97.4% |
| Year 20 (8 Oct 2026) | ₹2,41,000 | ₹4,92,935 | +104.5% |
Best year of the journey: Year 6 (+8.9% market move) · Toughest year: Year 15 (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.
Try a different amount
Try a different duration
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 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.