₹5,000 Monthly SIP in JM Liquid Fund (Regular) - Weekly IDCW for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹12,16,132
7 Oct 2026
Absolute gain
+₹11,132
+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
₹28,54,338
Modelled at historical FD rates. The fund trailed FD by ₹16,38,206.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2007) | ₹65,000 | ₹65,331 | +0.5% |
| Year 2 (7 Oct 2008) | ₹1,25,000 | ₹1,26,390 | +1.1% |
| Year 3 (7 Oct 2009) | ₹1,85,000 | ₹1,87,715 | +1.5% |
| Year 4 (7 Oct 2010) | ₹2,45,000 | ₹2,49,183 | +1.7% |
| Year 5 (7 Oct 2011) | ₹3,05,000 | ₹3,12,544 | +2.5% |
| Year 6 (7 Oct 2012) | ₹3,65,000 | ₹3,76,850 | +3.2% |
| Year 7 (7 Oct 2013) | ₹4,25,000 | ₹4,37,103 | +2.8% |
| Year 8 (7 Oct 2014) | ₹4,85,000 | ₹4,96,318 | +2.3% |
| Year 9 (7 Oct 2015) | ₹5,45,000 | ₹5,56,385 | +2.1% |
| Year 10 (7 Oct 2016) | ₹6,05,000 | ₹6,16,571 | +1.9% |
| Year 11 (8 Oct 2017) | ₹6,65,000 | ₹6,76,775 | +1.8% |
| Year 12 (7 Oct 2018) | ₹7,25,000 | ₹7,36,926 | +1.6% |
| Year 13 (7 Oct 2019) | ₹7,85,000 | ₹7,96,905 | +1.5% |
| Year 14 (7 Oct 2020) | ₹8,45,000 | ₹8,56,171 | +1.3% |
| Year 15 (7 Oct 2021) | ₹9,05,000 | ₹9,16,243 | +1.2% |
| Year 16 (7 Oct 2022) | ₹9,65,000 | ₹9,76,452 | +1.2% |
| Year 17 (8 Oct 2023) | ₹10,25,000 | ₹10,36,974 | +1.2% |
| Year 18 (7 Oct 2024) | ₹10,85,000 | ₹10,97,264 | +1.1% |
| Year 19 (7 Oct 2025) | ₹11,45,000 | ₹11,55,937 | +1% |
| Year 20 (7 Oct 2026) | ₹12,05,000 | ₹12,16,132 | +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.