₹25,000 Monthly SIP in JM Liquid Fund (Regular) - Weekly IDCW for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹60,82,696
18 Aug 2026
Absolute gain
+₹57,696
+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
₹1,42,89,942
Modelled at historical FD rates. The fund trailed FD by ₹82,07,246.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2007) | ₹3,25,000 | ₹3,26,817 | +0.6% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹6,32,749 | +1.2% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹9,39,359 | +1.6% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹12,46,145 | +1.7% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹15,62,230 | +2.4% |
| Year 6 (20 Aug 2012) | ₹18,25,000 | ₹18,86,670 | +3.4% |
| Year 7 (18 Aug 2013) | ₹21,25,000 | ₹21,88,343 | +3% |
| Year 8 (18 Aug 2014) | ₹24,25,000 | ₹24,88,293 | +2.6% |
| Year 9 (18 Aug 2015) | ₹27,25,000 | ₹27,84,538 | +2.2% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹30,85,513 | +2% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹33,85,930 | +1.8% |
| Year 12 (19 Aug 2018) | ₹36,25,000 | ₹36,87,570 | +1.7% |
| Year 13 (18 Aug 2019) | ₹39,25,000 | ₹39,86,974 | +1.6% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹42,83,654 | +1.4% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹45,84,033 | +1.3% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹48,85,078 | +1.2% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹51,86,082 | +1.2% |
| Year 18 (18 Aug 2024) | ₹54,25,000 | ₹54,88,185 | +1.2% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹57,88,357 | +1.1% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹60,82,696 | +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.