₹1,000 Monthly SIP in Nippon India Liquid Fund - Retail Option for 15 Years
If you had started a ₹1,000/month SIP on 18 Aug 2011 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Liquid Fund - Retail Option's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹28,99,441
18 Aug 2026
Absolute gain
+₹27,18,441
+1501.9%
XIRR (annualised)
32.37%
money-weighted
The journey, month by month
Worst fall on the way
-99%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
33
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,860
Modelled at historical FD rates. The fund beat FD by ₹25,62,581.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2012) | ₹13,000 | ₹11,56,072 | +8792.9% |
| Year 2 (18 Aug 2013) | ₹25,000 | ₹12,58,365 | +4933.5% |
| Year 3 (18 Aug 2014) | ₹37,000 | ₹13,80,836 | +3632% |
| Year 4 (18 Aug 2015) | ₹49,000 | ₹15,00,426 | +2962.1% |
| Year 5 (18 Aug 2016) | ₹61,000 | ₹16,18,531 | +2553.3% |
| Year 6 (18 Aug 2017) | ₹73,000 | ₹17,26,638 | +2265.3% |
| Year 7 (18 Aug 2018) | ₹85,000 | ₹18,44,355 | +2069.8% |
| Year 8 (18 Aug 2019) | ₹97,000 | ₹19,78,641 | +1939.8% |
| Year 9 (18 Aug 2020) | ₹1,09,000 | ₹20,79,283 | +1807.6% |
| Year 10 (18 Aug 2021) | ₹1,21,000 | ₹21,43,687 | +1671.6% |
| Year 11 (18 Aug 2022) | ₹1,33,000 | ₹22,22,221 | +1570.8% |
| Year 12 (18 Aug 2023) | ₹1,45,000 | ₹23,67,299 | +1532.6% |
| Year 13 (18 Aug 2024) | ₹1,57,000 | ₹25,38,661 | +1517% |
| Year 14 (18 Aug 2025) | ₹1,69,000 | ₹27,11,130 | +1504.2% |
| Year 15 (18 Aug 2026) | ₹1,81,000 | ₹28,99,441 | +1501.9% |
Best year of the journey: Year 1 (+8792.9% market move) · Toughest year: Year 10 (2.5%)
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 Nippon India Liquid Fund - Retail Option's published NAV (source: AMFI) between 18 Aug 2011 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.