₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹1,24,21,268
18 Aug 2026
Absolute gain
+₹63,96,268
+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
₹1,42,90,404
Modelled at historical FD rates. The fund trailed FD by ₹18,69,136.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹3,25,000 | ₹3,37,378 | +3.8% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹6,78,068 | +8.5% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹10,36,453 | +12% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹13,88,643 | +13.4% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹18,14,605 | +19% |
| Year 6 (18 Aug 2012) | ₹18,25,000 | ₹23,10,647 | +26.6% |
| Year 7 (18 Aug 2013) | ₹21,25,000 | ₹28,26,223 | +33% |
| Year 8 (18 Aug 2014) | ₹24,25,000 | ₹34,12,384 | +40.7% |
| Year 9 (18 Aug 2015) | ₹27,25,000 | ₹40,26,028 | +47.7% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹46,63,328 | +54.2% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹52,95,995 | +59.3% |
| Year 12 (18 Aug 2018) | ₹36,25,000 | ₹59,78,658 | +64.9% |
| Year 13 (18 Aug 2019) | ₹39,25,000 | ₹67,30,954 | +71.5% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹73,63,964 | +74.3% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹79,05,476 | +74.7% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹85,11,413 | +76.4% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹93,81,601 | +83.1% |
| Year 18 (18 Aug 2024) | ₹54,25,000 | ₹1,03,73,819 | +91.2% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹1,13,98,407 | +99.1% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹1,24,21,268 | +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.