₹10,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 15 Years
If you had started a ₹10,000/month SIP on 8 Oct 2011 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 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹29,79,875
8 Oct 2026
Absolute gain
+₹11,69,875
+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
₹33,49,057
Modelled at historical FD rates. The fund trailed FD by ₹3,69,182.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,36,554 | +5% |
| Year 2 (8 Oct 2013) | ₹2,50,000 | ₹2,74,215 | +9.7% |
| Year 3 (8 Oct 2014) | ₹3,70,000 | ₹4,24,932 | +14.8% |
| Year 4 (8 Oct 2015) | ₹4,90,000 | ₹5,86,641 | +19.7% |
| Year 5 (8 Oct 2016) | ₹6,10,000 | ₹7,57,720 | +24.2% |
| Year 6 (8 Oct 2017) | ₹7,30,000 | ₹9,33,255 | +27.8% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹11,24,013 | +32.2% |
| Year 8 (8 Oct 2019) | ₹9,70,000 | ₹13,28,466 | +37% |
| Year 9 (8 Oct 2020) | ₹10,90,000 | ₹15,10,256 | +38.6% |
| Year 10 (8 Oct 2021) | ₹12,10,000 | ₹16,80,574 | +38.9% |
| Year 11 (8 Oct 2022) | ₹13,30,000 | ₹18,72,573 | +40.8% |
| Year 12 (8 Oct 2023) | ₹14,50,000 | ₹21,23,528 | +46.5% |
| Year 13 (8 Oct 2024) | ₹15,70,000 | ₹24,02,357 | +53% |
| Year 14 (8 Oct 2025) | ₹16,90,000 | ₹26,86,550 | +59% |
| Year 15 (8 Oct 2026) | ₹18,10,000 | ₹29,79,875 | +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) - Super Institutional Plan's published NAV (source: AMFI) between 8 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.