₹1,000 Monthly SIP in JM Liquid Fund (Regular) - Weekly IDCW for 20 Years
If you had started a ₹1,000/month SIP on 8 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Regular) - Weekly IDCW's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹2,43,226
7 Oct 2026
Absolute gain
+₹2,226
+0.9%
XIRR (annualised)
0.09%
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
₹5,70,868
Modelled at historical FD rates. The fund trailed FD by ₹3,27,642.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2007) | ₹13,000 | ₹13,066 | +0.5% |
| Year 2 (7 Oct 2008) | ₹25,000 | ₹25,278 | +1.1% |
| Year 3 (7 Oct 2009) | ₹37,000 | ₹37,543 | +1.5% |
| Year 4 (7 Oct 2010) | ₹49,000 | ₹49,837 | +1.7% |
| Year 5 (7 Oct 2011) | ₹61,000 | ₹62,509 | +2.5% |
| Year 6 (7 Oct 2012) | ₹73,000 | ₹75,370 | +3.2% |
| Year 7 (7 Oct 2013) | ₹85,000 | ₹87,421 | +2.8% |
| Year 8 (7 Oct 2014) | ₹97,000 | ₹99,264 | +2.3% |
| Year 9 (7 Oct 2015) | ₹1,09,000 | ₹1,11,277 | +2.1% |
| Year 10 (7 Oct 2016) | ₹1,21,000 | ₹1,23,314 | +1.9% |
| Year 11 (8 Oct 2017) | ₹1,33,000 | ₹1,35,355 | +1.8% |
| Year 12 (7 Oct 2018) | ₹1,45,000 | ₹1,47,385 | +1.6% |
| Year 13 (7 Oct 2019) | ₹1,57,000 | ₹1,59,381 | +1.5% |
| Year 14 (7 Oct 2020) | ₹1,69,000 | ₹1,71,234 | +1.3% |
| Year 15 (7 Oct 2021) | ₹1,81,000 | ₹1,83,249 | +1.2% |
| Year 16 (7 Oct 2022) | ₹1,93,000 | ₹1,95,290 | +1.2% |
| Year 17 (8 Oct 2023) | ₹2,05,000 | ₹2,07,395 | +1.2% |
| Year 18 (7 Oct 2024) | ₹2,17,000 | ₹2,19,453 | +1.1% |
| Year 19 (7 Oct 2025) | ₹2,29,000 | ₹2,31,187 | +1% |
| Year 20 (7 Oct 2026) | ₹2,41,000 | ₹2,43,226 | +0.9% |
Best year of the journey: Year 6 (+1.2% market move) · Toughest year: Year 8 (-0.2%)
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) - Weekly IDCW's published NAV (source: AMFI) between 8 Oct 2006 and 7 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.