₹2,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹9,85,869
8 Oct 2026
Absolute gain
+₹5,03,869
+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
₹11,41,967
Modelled at historical FD rates. The fund trailed FD by ₹1,56,098.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹26,000 | ₹26,931 | +3.6% |
| Year 2 (8 Oct 2008) | ₹50,000 | ₹54,278 | +8.6% |
| Year 3 (8 Oct 2009) | ₹74,000 | ₹81,202 | +9.7% |
| Year 4 (8 Oct 2010) | ₹98,000 | ₹1,09,589 | +11.8% |
| Year 5 (9 Oct 2011) | ₹1,22,000 | ₹1,43,979 | +18% |
| Year 6 (8 Oct 2012) | ₹1,46,000 | ₹1,83,011 | +25.4% |
| Year 7 (8 Oct 2013) | ₹1,70,000 | ₹2,24,700 | +32.2% |
| Year 8 (8 Oct 2014) | ₹1,94,000 | ₹2,70,674 | +39.5% |
| Year 9 (8 Oct 2015) | ₹2,18,000 | ₹3,19,139 | +46.4% |
| Year 10 (9 Oct 2016) | ₹2,42,000 | ₹3,69,462 | +52.7% |
| Year 11 (8 Oct 2017) | ₹2,66,000 | ₹4,19,377 | +57.7% |
| Year 12 (8 Oct 2018) | ₹2,90,000 | ₹4,74,134 | +63.5% |
| Year 13 (8 Oct 2019) | ₹3,14,000 | ₹5,32,898 | +69.7% |
| Year 14 (8 Oct 2020) | ₹3,38,000 | ₹5,81,224 | +72% |
| Year 15 (8 Oct 2021) | ₹3,62,000 | ₹6,24,249 | +72.4% |
| Year 16 (9 Oct 2022) | ₹3,86,000 | ₹6,74,773 | +74.8% |
| Year 17 (8 Oct 2023) | ₹4,10,000 | ₹7,45,307 | +81.8% |
| Year 18 (8 Oct 2024) | ₹4,34,000 | ₹8,24,415 | +90% |
| Year 19 (8 Oct 2025) | ₹4,58,000 | ₹9,04,163 | +97.4% |
| Year 20 (8 Oct 2026) | ₹4,82,000 | ₹9,85,869 | +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.
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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 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.