₹1,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 20 Years
If you had started a ₹1,000/month SIP on 18 Aug 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Regular) - Super Institutional Plan's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹4,96,851
18 Aug 2026
Absolute gain
+₹2,55,851
+106.2%
XIRR (annualised)
6.72%
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
₹5,71,616
Modelled at historical FD rates. The fund trailed FD by ₹74,765.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹13,000 | ₹13,495 | +3.8% |
| Year 2 (18 Aug 2008) | ₹25,000 | ₹27,123 | +8.5% |
| Year 3 (18 Aug 2009) | ₹37,000 | ₹41,458 | +12% |
| Year 4 (18 Aug 2010) | ₹49,000 | ₹55,546 | +13.4% |
| Year 5 (18 Aug 2011) | ₹61,000 | ₹72,584 | +19% |
| Year 6 (18 Aug 2012) | ₹73,000 | ₹92,426 | +26.6% |
| Year 7 (18 Aug 2013) | ₹85,000 | ₹1,13,049 | +33% |
| Year 8 (18 Aug 2014) | ₹97,000 | ₹1,36,495 | +40.7% |
| Year 9 (18 Aug 2015) | ₹1,09,000 | ₹1,61,041 | +47.7% |
| Year 10 (18 Aug 2016) | ₹1,21,000 | ₹1,86,533 | +54.2% |
| Year 11 (18 Aug 2017) | ₹1,33,000 | ₹2,11,840 | +59.3% |
| Year 12 (18 Aug 2018) | ₹1,45,000 | ₹2,39,146 | +64.9% |
| Year 13 (18 Aug 2019) | ₹1,57,000 | ₹2,69,238 | +71.5% |
| Year 14 (18 Aug 2020) | ₹1,69,000 | ₹2,94,559 | +74.3% |
| Year 15 (18 Aug 2021) | ₹1,81,000 | ₹3,16,219 | +74.7% |
| Year 16 (18 Aug 2022) | ₹1,93,000 | ₹3,40,457 | +76.4% |
| Year 17 (18 Aug 2023) | ₹2,05,000 | ₹3,75,264 | +83.1% |
| Year 18 (18 Aug 2024) | ₹2,17,000 | ₹4,14,953 | +91.2% |
| Year 19 (18 Aug 2025) | ₹2,29,000 | ₹4,55,936 | +99.1% |
| Year 20 (18 Aug 2026) | ₹2,41,000 | ₹4,96,851 | +106.2% |
Best year of the journey: Year 6 (+9.3% market move) · Toughest year: Year 15 (3.2%)
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) - Super Institutional Plan's published NAV (source: AMFI) between 18 Aug 2006 and 18 Aug 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.