₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 10 Years
If you had started a ₹25,000/month SIP on 9 Oct 2016 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 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹41,04,386
8 Oct 2026
Absolute gain
+₹10,79,386
+35.7%
XIRR (annualised)
5.97%
money-weighted
The journey, month by month
Worst fall on the way
-0.1%
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
₹41,99,363
Modelled at historical FD rates. The fund trailed FD by ₹94,977.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2017) | ₹3,25,000 | ₹3,36,271 | +3.5% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹6,70,678 | +7.3% |
| Year 3 (8 Oct 2019) | ₹9,25,000 | ₹10,28,422 | +11.2% |
| Year 4 (8 Oct 2020) | ₹12,25,000 | ₹13,80,156 | +12.7% |
| Year 5 (8 Oct 2021) | ₹15,25,000 | ₹17,29,109 | +13.4% |
| Year 6 (9 Oct 2022) | ₹18,25,000 | ₹21,07,701 | +15.5% |
| Year 7 (8 Oct 2023) | ₹21,25,000 | ₹25,60,404 | +20.5% |
| Year 8 (8 Oct 2024) | ₹24,25,000 | ₹30,57,169 | +26.1% |
| Year 9 (8 Oct 2025) | ₹27,25,000 | ₹35,70,248 | +31% |
| Year 10 (8 Oct 2026) | ₹30,25,000 | ₹41,04,386 | +35.7% |
Best year of the journey: Year 8 (+6.9% market move) · Toughest year: Year 5 (2.9%)
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 2016 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.