₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Weekly IDCW for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹12,16,539
18 Aug 2026
Absolute gain
+₹11,539
+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
₹28,57,988
Modelled at historical FD rates. The fund trailed FD by ₹16,41,449.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2007) | ₹65,000 | ₹65,363 | +0.6% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,26,550 | +1.2% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹1,87,872 | +1.6% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹2,49,229 | +1.7% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹3,12,446 | +2.4% |
| Year 6 (20 Aug 2012) | ₹3,65,000 | ₹3,77,334 | +3.4% |
| Year 7 (18 Aug 2013) | ₹4,25,000 | ₹4,37,669 | +3% |
| Year 8 (18 Aug 2014) | ₹4,85,000 | ₹4,97,659 | +2.6% |
| Year 9 (18 Aug 2015) | ₹5,45,000 | ₹5,56,908 | +2.2% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹6,17,103 | +2% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹6,77,186 | +1.8% |
| Year 12 (19 Aug 2018) | ₹7,25,000 | ₹7,37,514 | +1.7% |
| Year 13 (18 Aug 2019) | ₹7,85,000 | ₹7,97,395 | +1.6% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹8,56,731 | +1.4% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹9,16,807 | +1.3% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹9,77,016 | +1.2% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹10,37,216 | +1.2% |
| Year 18 (18 Aug 2024) | ₹10,85,000 | ₹10,97,637 | +1.2% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹11,57,671 | +1.1% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹12,16,539 | +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.