₹2,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 15 Years
If you had started a ₹2,000/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
₹3,62,000
181 installments
Value today
₹5,95,975
8 Oct 2026
Absolute gain
+₹2,33,975
+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
₹6,69,811
Modelled at historical FD rates. The fund trailed FD by ₹73,836.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹26,000 | ₹27,311 | +5% |
| Year 2 (8 Oct 2013) | ₹50,000 | ₹54,843 | +9.7% |
| Year 3 (8 Oct 2014) | ₹74,000 | ₹84,986 | +14.8% |
| Year 4 (8 Oct 2015) | ₹98,000 | ₹1,17,328 | +19.7% |
| Year 5 (8 Oct 2016) | ₹1,22,000 | ₹1,51,544 | +24.2% |
| Year 6 (8 Oct 2017) | ₹1,46,000 | ₹1,86,651 | +27.8% |
| Year 7 (8 Oct 2018) | ₹1,70,000 | ₹2,24,803 | +32.2% |
| Year 8 (8 Oct 2019) | ₹1,94,000 | ₹2,65,693 | +37% |
| Year 9 (8 Oct 2020) | ₹2,18,000 | ₹3,02,051 | +38.6% |
| Year 10 (8 Oct 2021) | ₹2,42,000 | ₹3,36,115 | +38.9% |
| Year 11 (8 Oct 2022) | ₹2,66,000 | ₹3,74,515 | +40.8% |
| Year 12 (8 Oct 2023) | ₹2,90,000 | ₹4,24,706 | +46.5% |
| Year 13 (8 Oct 2024) | ₹3,14,000 | ₹4,80,471 | +53% |
| Year 14 (8 Oct 2025) | ₹3,38,000 | ₹5,37,310 | +59% |
| Year 15 (8 Oct 2026) | ₹3,62,000 | ₹5,95,975 | +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.