₹10,000 Monthly SIP in JM Liquid Fund (Regular) - Weekly IDCW for 20 Years
If you had started a ₹10,000/month SIP on 18 Aug 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Liquid Fund (Regular) - Weekly IDCW's actual NAV for all 241 installments.
You invested
₹24,10,000
241 installments
Value today
₹24,33,078
18 Aug 2026
Absolute gain
+₹23,078
+1%
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
₹57,15,977
Modelled at historical FD rates. The fund trailed FD by ₹32,82,899.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2007) | ₹1,30,000 | ₹1,30,727 | +0.6% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,53,100 | +1.2% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹3,75,744 | +1.6% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹4,98,458 | +1.7% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹6,24,892 | +2.4% |
| Year 6 (20 Aug 2012) | ₹7,30,000 | ₹7,54,668 | +3.4% |
| Year 7 (18 Aug 2013) | ₹8,50,000 | ₹8,75,337 | +3% |
| Year 8 (18 Aug 2014) | ₹9,70,000 | ₹9,95,317 | +2.6% |
| Year 9 (18 Aug 2015) | ₹10,90,000 | ₹11,13,815 | +2.2% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹12,34,205 | +2% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹13,54,372 | +1.8% |
| Year 12 (19 Aug 2018) | ₹14,50,000 | ₹14,75,028 | +1.7% |
| Year 13 (18 Aug 2019) | ₹15,70,000 | ₹15,94,790 | +1.6% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹17,13,462 | +1.4% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹18,33,613 | +1.3% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹19,54,031 | +1.2% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹20,74,433 | +1.2% |
| Year 18 (18 Aug 2024) | ₹21,70,000 | ₹21,95,274 | +1.2% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹23,15,343 | +1.1% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹24,33,078 | +1% |
Best year of the journey: Year 6 (+1.3% market move) · Toughest year: Year 9 (-0.1%)
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) - Weekly IDCW'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.