₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹14,95,158
18 Aug 2026
Absolute gain
+₹5,90,158
+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
₹16,84,346
Modelled at historical FD rates. The fund trailed FD by ₹1,89,188.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2012) | ₹65,000 | ₹68,512 | +5.4% |
| Year 2 (18 Aug 2013) | ₹1,25,000 | ₹1,37,113 | +9.7% |
| Year 3 (18 Aug 2014) | ₹1,85,000 | ₹2,13,095 | +15.2% |
| Year 4 (18 Aug 2015) | ₹2,45,000 | ₹2,94,469 | +20.2% |
| Year 5 (18 Aug 2016) | ₹3,05,000 | ₹3,80,668 | +24.8% |
| Year 6 (18 Aug 2017) | ₹3,65,000 | ₹4,69,037 | +28.5% |
| Year 7 (18 Aug 2018) | ₹4,25,000 | ₹5,64,139 | +32.7% |
| Year 8 (18 Aug 2019) | ₹4,85,000 | ₹6,67,965 | +37.7% |
| Year 9 (18 Aug 2020) | ₹5,45,000 | ₹7,61,681 | +39.8% |
| Year 10 (18 Aug 2021) | ₹6,05,000 | ₹8,47,138 | +40% |
| Year 11 (18 Aug 2022) | ₹6,65,000 | ₹9,40,494 | +41.4% |
| Year 12 (18 Aug 2023) | ₹7,25,000 | ₹10,64,413 | +46.8% |
| Year 13 (18 Aug 2024) | ₹7,85,000 | ₹12,03,893 | +53.4% |
| Year 14 (18 Aug 2025) | ₹8,45,000 | ₹13,48,823 | +59.6% |
| Year 15 (18 Aug 2026) | ₹9,05,000 | ₹14,95,158 | +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.
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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 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.