₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹8,20,877
8 Oct 2026
Absolute gain
+₹2,15,877
+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
₹8,39,873
Modelled at historical FD rates. The fund trailed FD by ₹18,996.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2017) | ₹65,000 | ₹67,254 | +3.5% |
| Year 2 (8 Oct 2018) | ₹1,25,000 | ₹1,34,136 | +7.3% |
| Year 3 (8 Oct 2019) | ₹1,85,000 | ₹2,05,684 | +11.2% |
| Year 4 (8 Oct 2020) | ₹2,45,000 | ₹2,76,031 | +12.7% |
| Year 5 (8 Oct 2021) | ₹3,05,000 | ₹3,45,822 | +13.4% |
| Year 6 (9 Oct 2022) | ₹3,65,000 | ₹4,21,540 | +15.5% |
| Year 7 (8 Oct 2023) | ₹4,25,000 | ₹5,12,081 | +20.5% |
| Year 8 (8 Oct 2024) | ₹4,85,000 | ₹6,11,434 | +26.1% |
| Year 9 (8 Oct 2025) | ₹5,45,000 | ₹7,14,050 | +31% |
| Year 10 (8 Oct 2026) | ₹6,05,000 | ₹8,20,877 | +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.