₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Quarterly IDCW for 15 Years
If you had started a ₹5,000/month SIP on 9 Oct 2011 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 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹14,89,789
8 Oct 2026
Absolute gain
+₹5,84,789
+64.6%
XIRR (annualised)
6.35%
money-weighted
The journey, month by month
Worst fall on the way
-0.2%
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
₹16,74,467
Modelled at historical FD rates. The fund trailed FD by ₹1,84,678.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹65,000 | ₹68,205 | +4.9% |
| Year 2 (8 Oct 2013) | ₹1,25,000 | ₹1,37,042 | +9.6% |
| Year 3 (8 Oct 2014) | ₹1,85,000 | ₹2,12,394 | +14.8% |
| Year 4 (8 Oct 2015) | ₹2,45,000 | ₹2,93,237 | +19.7% |
| Year 5 (9 Oct 2016) | ₹3,05,000 | ₹3,78,830 | +24.2% |
| Year 6 (8 Oct 2017) | ₹3,65,000 | ₹4,66,531 | +27.8% |
| Year 7 (8 Oct 2018) | ₹4,25,000 | ₹5,61,902 | +32.2% |
| Year 8 (8 Oct 2019) | ₹4,85,000 | ₹6,64,117 | +36.9% |
| Year 9 (8 Oct 2020) | ₹5,45,000 | ₹7,55,001 | +38.5% |
| Year 10 (8 Oct 2021) | ₹6,05,000 | ₹8,40,162 | +38.9% |
| Year 11 (9 Oct 2022) | ₹6,65,000 | ₹9,36,468 | +40.8% |
| Year 12 (8 Oct 2023) | ₹7,25,000 | ₹10,61,921 | +46.5% |
| Year 13 (8 Oct 2024) | ₹7,85,000 | ₹12,01,323 | +53% |
| Year 14 (8 Oct 2025) | ₹8,45,000 | ₹13,43,311 | +59% |
| Year 15 (8 Oct 2026) | ₹9,05,000 | ₹14,89,789 | +64.6% |
Best year of the journey: Year 3 (+7.8% market move) · Toughest year: Year 10 (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 9 Oct 2011 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.