₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹1,23,23,364
8 Oct 2026
Absolute gain
+₹62,98,364
+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
₹1,42,74,589
Modelled at historical FD rates. The fund trailed FD by ₹19,51,225.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹3,25,000 | ₹3,36,643 | +3.6% |
| Year 2 (8 Oct 2008) | ₹6,25,000 | ₹6,78,477 | +8.6% |
| Year 3 (8 Oct 2009) | ₹9,25,000 | ₹10,15,024 | +9.7% |
| Year 4 (8 Oct 2010) | ₹12,25,000 | ₹13,69,867 | +11.8% |
| Year 5 (9 Oct 2011) | ₹15,25,000 | ₹17,99,732 | +18% |
| Year 6 (8 Oct 2012) | ₹18,25,000 | ₹22,87,641 | +25.4% |
| Year 7 (8 Oct 2013) | ₹21,25,000 | ₹28,08,755 | +32.2% |
| Year 8 (8 Oct 2014) | ₹24,25,000 | ₹33,83,420 | +39.5% |
| Year 9 (8 Oct 2015) | ₹27,25,000 | ₹39,89,240 | +46.4% |
| Year 10 (9 Oct 2016) | ₹30,25,000 | ₹46,18,281 | +52.7% |
| Year 11 (8 Oct 2017) | ₹33,25,000 | ₹52,42,216 | +57.7% |
| Year 12 (8 Oct 2018) | ₹36,25,000 | ₹59,26,675 | +63.5% |
| Year 13 (8 Oct 2019) | ₹39,25,000 | ₹66,61,225 | +69.7% |
| Year 14 (8 Oct 2020) | ₹42,25,000 | ₹72,65,296 | +72% |
| Year 15 (8 Oct 2021) | ₹45,25,000 | ₹78,03,106 | +72.4% |
| Year 16 (9 Oct 2022) | ₹48,25,000 | ₹84,34,659 | +74.8% |
| Year 17 (8 Oct 2023) | ₹51,25,000 | ₹93,16,340 | +81.8% |
| Year 18 (8 Oct 2024) | ₹54,25,000 | ₹1,03,05,185 | +90% |
| Year 19 (8 Oct 2025) | ₹57,25,000 | ₹1,13,02,037 | +97.4% |
| Year 20 (8 Oct 2026) | ₹60,25,000 | ₹1,23,23,364 | +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.