₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹74,75,788
18 Aug 2026
Absolute gain
+₹29,50,788
+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
₹84,21,732
Modelled at historical FD rates. The fund trailed FD by ₹9,45,944.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2012) | ₹3,25,000 | ₹3,42,561 | +5.4% |
| Year 2 (18 Aug 2013) | ₹6,25,000 | ₹6,85,566 | +9.7% |
| Year 3 (18 Aug 2014) | ₹9,25,000 | ₹10,65,477 | +15.2% |
| Year 4 (18 Aug 2015) | ₹12,25,000 | ₹14,72,343 | +20.2% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹19,03,338 | +24.8% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹23,45,185 | +28.5% |
| Year 7 (18 Aug 2018) | ₹21,25,000 | ₹28,20,697 | +32.7% |
| Year 8 (18 Aug 2019) | ₹24,25,000 | ₹33,39,823 | +37.7% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹38,08,404 | +39.8% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹42,35,689 | +40% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹47,02,472 | +41.4% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹53,22,065 | +46.8% |
| Year 13 (18 Aug 2024) | ₹39,25,000 | ₹60,19,464 | +53.4% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹67,44,114 | +59.6% |
| Year 15 (18 Aug 2026) | ₹45,25,000 | ₹74,75,788 | +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.
Try a different amount
Try a different duration
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.