₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Weekly IDCW for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹60,80,660
7 Oct 2026
Absolute gain
+₹55,660
+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
₹1,42,71,689
Modelled at historical FD rates. The fund trailed FD by ₹81,91,029.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2007) | ₹3,25,000 | ₹3,26,657 | +0.5% |
| Year 2 (7 Oct 2008) | ₹6,25,000 | ₹6,31,952 | +1.1% |
| Year 3 (7 Oct 2009) | ₹9,25,000 | ₹9,38,575 | +1.5% |
| Year 4 (7 Oct 2010) | ₹12,25,000 | ₹12,45,916 | +1.7% |
| Year 5 (7 Oct 2011) | ₹15,25,000 | ₹15,62,718 | +2.5% |
| Year 6 (7 Oct 2012) | ₹18,25,000 | ₹18,84,249 | +3.2% |
| Year 7 (7 Oct 2013) | ₹21,25,000 | ₹21,85,516 | +2.8% |
| Year 8 (7 Oct 2014) | ₹24,25,000 | ₹24,81,592 | +2.3% |
| Year 9 (7 Oct 2015) | ₹27,25,000 | ₹27,81,924 | +2.1% |
| Year 10 (7 Oct 2016) | ₹30,25,000 | ₹30,82,856 | +1.9% |
| Year 11 (8 Oct 2017) | ₹33,25,000 | ₹33,83,874 | +1.8% |
| Year 12 (7 Oct 2018) | ₹36,25,000 | ₹36,84,628 | +1.6% |
| Year 13 (7 Oct 2019) | ₹39,25,000 | ₹39,84,526 | +1.5% |
| Year 14 (7 Oct 2020) | ₹42,25,000 | ₹42,80,855 | +1.3% |
| Year 15 (7 Oct 2021) | ₹45,25,000 | ₹45,81,216 | +1.2% |
| Year 16 (7 Oct 2022) | ₹48,25,000 | ₹48,82,261 | +1.2% |
| Year 17 (8 Oct 2023) | ₹51,25,000 | ₹51,84,868 | +1.2% |
| Year 18 (7 Oct 2024) | ₹54,25,000 | ₹54,86,322 | +1.1% |
| Year 19 (7 Oct 2025) | ₹57,25,000 | ₹57,79,683 | +1% |
| Year 20 (7 Oct 2026) | ₹60,25,000 | ₹60,80,660 | +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.