₹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 8 Oct 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
₹49,52,122
8 Oct 2026
Absolute gain
+₹25,42,122
+105.5%
XIRR (annualised)
6.71%
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
₹57,10,014
Modelled at historical FD rates. The fund trailed FD by ₹7,57,892.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹1,30,000 | ₹1,34,668 | +3.6% |
| Year 2 (8 Oct 2008) | ₹2,50,000 | ₹2,71,386 | +8.6% |
| Year 3 (8 Oct 2009) | ₹3,70,000 | ₹4,11,800 | +11.3% |
| Year 4 (8 Oct 2010) | ₹4,90,000 | ₹5,54,023 | +13.1% |
| Year 5 (8 Oct 2011) | ₹6,10,000 | ₹7,26,764 | +19.1% |
| Year 6 (8 Oct 2012) | ₹7,30,000 | ₹9,24,365 | +26.6% |
| Year 7 (8 Oct 2013) | ₹8,50,000 | ₹11,33,507 | +33.4% |
| Year 8 (8 Oct 2014) | ₹9,70,000 | ₹13,64,299 | +40.6% |
| Year 9 (8 Oct 2015) | ₹10,90,000 | ₹16,07,581 | +47.5% |
| Year 10 (8 Oct 2016) | ₹12,10,000 | ₹18,59,850 | +53.7% |
| Year 11 (8 Oct 2017) | ₹13,30,000 | ₹21,10,589 | +58.7% |
| Year 12 (8 Oct 2018) | ₹14,50,000 | ₹23,85,353 | +64.5% |
| Year 13 (8 Oct 2019) | ₹15,70,000 | ₹26,80,228 | +70.7% |
| Year 14 (8 Oct 2020) | ₹16,90,000 | ₹29,22,584 | +72.9% |
| Year 15 (8 Oct 2021) | ₹18,10,000 | ₹31,38,214 | +73.4% |
| Year 16 (8 Oct 2022) | ₹19,30,000 | ₹33,90,399 | +75.7% |
| Year 17 (8 Oct 2023) | ₹20,50,000 | ₹37,44,320 | +82.6% |
| Year 18 (8 Oct 2024) | ₹21,70,000 | ₹41,41,234 | +90.8% |
| Year 19 (8 Oct 2025) | ₹22,90,000 | ₹45,41,653 | +98.3% |
| Year 20 (8 Oct 2026) | ₹24,10,000 | ₹49,52,122 | +105.5% |
Best year of the journey: Year 6 (+9.2% market move) · Toughest year: Year 15 (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 2006 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.