₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Super Institutional Plan for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹24,76,061
8 Oct 2026
Absolute gain
+₹12,71,061
+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
₹28,55,007
Modelled at historical FD rates. The fund trailed FD by ₹3,78,946.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹65,000 | ₹67,334 | +3.6% |
| Year 2 (8 Oct 2008) | ₹1,25,000 | ₹1,35,693 | +8.6% |
| Year 3 (8 Oct 2009) | ₹1,85,000 | ₹2,05,900 | +11.3% |
| Year 4 (8 Oct 2010) | ₹2,45,000 | ₹2,77,011 | +13.1% |
| Year 5 (8 Oct 2011) | ₹3,05,000 | ₹3,63,382 | +19.1% |
| Year 6 (8 Oct 2012) | ₹3,65,000 | ₹4,62,183 | +26.6% |
| Year 7 (8 Oct 2013) | ₹4,25,000 | ₹5,66,753 | +33.4% |
| Year 8 (8 Oct 2014) | ₹4,85,000 | ₹6,82,149 | +40.6% |
| Year 9 (8 Oct 2015) | ₹5,45,000 | ₹8,03,790 | +47.5% |
| Year 10 (8 Oct 2016) | ₹6,05,000 | ₹9,29,925 | +53.7% |
| Year 11 (8 Oct 2017) | ₹6,65,000 | ₹10,55,295 | +58.7% |
| Year 12 (8 Oct 2018) | ₹7,25,000 | ₹11,92,676 | +64.5% |
| Year 13 (8 Oct 2019) | ₹7,85,000 | ₹13,40,114 | +70.7% |
| Year 14 (8 Oct 2020) | ₹8,45,000 | ₹14,61,292 | +72.9% |
| Year 15 (8 Oct 2021) | ₹9,05,000 | ₹15,69,107 | +73.4% |
| Year 16 (8 Oct 2022) | ₹9,65,000 | ₹16,95,199 | +75.7% |
| Year 17 (8 Oct 2023) | ₹10,25,000 | ₹18,72,160 | +82.6% |
| Year 18 (8 Oct 2024) | ₹10,85,000 | ₹20,70,617 | +90.8% |
| Year 19 (8 Oct 2025) | ₹11,45,000 | ₹22,70,826 | +98.3% |
| Year 20 (8 Oct 2026) | ₹12,05,000 | ₹24,76,061 | +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.
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 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.