₹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 18 Aug 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
₹29,90,315
18 Aug 2026
Absolute gain
+₹11,80,315
+65.2%
XIRR (annualised)
6.37%
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
₹33,68,693
Modelled at historical FD rates. The fund trailed FD by ₹3,78,378.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2012) | ₹1,30,000 | ₹1,37,024 | +5.4% |
| Year 2 (18 Aug 2013) | ₹2,50,000 | ₹2,74,226 | +9.7% |
| Year 3 (18 Aug 2014) | ₹3,70,000 | ₹4,26,191 | +15.2% |
| Year 4 (18 Aug 2015) | ₹4,90,000 | ₹5,88,937 | +20.2% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹7,61,335 | +24.8% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹9,38,074 | +28.5% |
| Year 7 (18 Aug 2018) | ₹8,50,000 | ₹11,28,279 | +32.7% |
| Year 8 (18 Aug 2019) | ₹9,70,000 | ₹13,35,929 | +37.7% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹15,23,362 | +39.8% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹16,94,276 | +40% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹18,80,989 | +41.4% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹21,28,826 | +46.8% |
| Year 13 (18 Aug 2024) | ₹15,70,000 | ₹24,07,786 | +53.4% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹26,97,645 | +59.6% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹29,90,315 | +65.2% |
Best year of the journey: Year 3 (+8.1% 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 18 Aug 2011 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.