₹1,000 Monthly SIP in Nippon India Liquid Fund - Retail Option for 20 Years
If you had started a ₹1,000/month SIP on 18 Aug 2006 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 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹1,94,91,576
18 Aug 2026
Absolute gain
+₹1,92,50,576
+7987.8%
XIRR (annualised)
36.32%
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
118
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,71,598
Modelled at historical FD rates. The fund beat FD by ₹1,89,19,978.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹13,000 | ₹12,45,819 | +9483.2% |
| Year 2 (18 Aug 2008) | ₹25,000 | ₹23,856 | -4.6% |
| Year 3 (18 Aug 2009) | ₹37,000 | ₹37,963 | +2.6% |
| Year 4 (18 Aug 2010) | ₹49,000 | ₹51,872 | +5.9% |
| Year 5 (18 Aug 2011) | ₹61,000 | ₹67,316 | +10.4% |
| Year 6 (20 Aug 2012) | ₹73,000 | ₹84,04,766 | +11413.4% |
| Year 7 (18 Aug 2013) | ₹85,000 | ₹90,70,347 | +10571% |
| Year 8 (18 Aug 2014) | ₹97,000 | ₹98,75,516 | +10080.9% |
| Year 9 (18 Aug 2015) | ₹1,09,000 | ₹1,06,54,182 | +9674.5% |
| Year 10 (18 Aug 2016) | ₹1,21,000 | ₹1,14,17,037 | +9335.6% |
| Year 11 (18 Aug 2017) | ₹1,33,000 | ₹1,21,04,851 | +9001.4% |
| Year 12 (18 Aug 2018) | ₹1,45,000 | ₹1,28,55,718 | +8766% |
| Year 13 (18 Aug 2019) | ₹1,57,000 | ₹1,37,17,745 | +8637.4% |
| Year 14 (18 Aug 2020) | ₹1,69,000 | ₹1,43,42,824 | +8386.9% |
| Year 15 (18 Aug 2021) | ₹1,81,000 | ₹1,47,15,391 | +8030.1% |
| Year 16 (18 Aug 2022) | ₹1,93,000 | ₹1,51,82,917 | +7766.8% |
| Year 17 (18 Aug 2023) | ₹2,05,000 | ₹1,61,01,974 | +7754.6% |
| Year 18 (18 Aug 2024) | ₹2,17,000 | ₹1,71,95,569 | +7824.2% |
| Year 19 (18 Aug 2025) | ₹2,29,000 | ₹1,82,92,386 | +7887.9% |
| Year 20 (18 Aug 2026) | ₹2,41,000 | ₹1,94,91,576 | +7987.8% |
Best year of the journey: Year 6 (+10496.6% market move) · Toughest year: Year 2 (-98.1%)
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 Nippon India Liquid Fund - Retail Option'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.