₹2,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹9,90,424
8 Oct 2026
Absolute gain
+₹5,08,424
+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
₹11,42,003
Modelled at historical FD rates. The fund trailed FD by ₹1,51,579.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹26,000 | ₹26,934 | +3.6% |
| Year 2 (8 Oct 2008) | ₹50,000 | ₹54,277 | +8.6% |
| Year 3 (8 Oct 2009) | ₹74,000 | ₹82,360 | +11.3% |
| Year 4 (8 Oct 2010) | ₹98,000 | ₹1,10,805 | +13.1% |
| Year 5 (8 Oct 2011) | ₹1,22,000 | ₹1,45,353 | +19.1% |
| Year 6 (8 Oct 2012) | ₹1,46,000 | ₹1,84,873 | +26.6% |
| Year 7 (8 Oct 2013) | ₹1,70,000 | ₹2,26,701 | +33.4% |
| Year 8 (8 Oct 2014) | ₹1,94,000 | ₹2,72,860 | +40.6% |
| Year 9 (8 Oct 2015) | ₹2,18,000 | ₹3,21,516 | +47.5% |
| Year 10 (8 Oct 2016) | ₹2,42,000 | ₹3,71,970 | +53.7% |
| Year 11 (8 Oct 2017) | ₹2,66,000 | ₹4,22,118 | +58.7% |
| Year 12 (8 Oct 2018) | ₹2,90,000 | ₹4,77,071 | +64.5% |
| Year 13 (8 Oct 2019) | ₹3,14,000 | ₹5,36,046 | +70.7% |
| Year 14 (8 Oct 2020) | ₹3,38,000 | ₹5,84,517 | +72.9% |
| Year 15 (8 Oct 2021) | ₹3,62,000 | ₹6,27,643 | +73.4% |
| Year 16 (8 Oct 2022) | ₹3,86,000 | ₹6,78,080 | +75.7% |
| Year 17 (8 Oct 2023) | ₹4,10,000 | ₹7,48,864 | +82.6% |
| Year 18 (8 Oct 2024) | ₹4,34,000 | ₹8,28,247 | +90.8% |
| Year 19 (8 Oct 2025) | ₹4,58,000 | ₹9,08,331 | +98.3% |
| Year 20 (8 Oct 2026) | ₹4,82,000 | ₹9,90,424 | +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.