₹10,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 20 Years
If you had started a ₹10,000/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
₹24,10,000
241 installments
Value today
₹49,68,507
18 Aug 2026
Absolute gain
+₹25,58,507
+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
₹57,16,162
Modelled at historical FD rates. The fund trailed FD by ₹7,47,655.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹1,30,000 | ₹1,34,951 | +3.8% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,71,227 | +8.5% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹4,14,581 | +12% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹5,55,457 | +13.4% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹7,25,842 | +19% |
| Year 6 (18 Aug 2012) | ₹7,30,000 | ₹9,24,259 | +26.6% |
| Year 7 (18 Aug 2013) | ₹8,50,000 | ₹11,30,489 | +33% |
| Year 8 (18 Aug 2014) | ₹9,70,000 | ₹13,64,953 | +40.7% |
| Year 9 (18 Aug 2015) | ₹10,90,000 | ₹16,10,411 | +47.7% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹18,65,331 | +54.2% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹21,18,398 | +59.3% |
| Year 12 (18 Aug 2018) | ₹14,50,000 | ₹23,91,463 | +64.9% |
| Year 13 (18 Aug 2019) | ₹15,70,000 | ₹26,92,382 | +71.5% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹29,45,585 | +74.3% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹31,62,190 | +74.7% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹34,04,565 | +76.4% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹37,52,640 | +83.1% |
| Year 18 (18 Aug 2024) | ₹21,70,000 | ₹41,49,527 | +91.2% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹45,59,363 | +99.1% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹49,68,507 | +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.