₹10,000 Monthly SIP in Nippon India Liquid Fund - Retail Option for 20 Years
If you had started a ₹10,000/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
₹24,10,000
241 installments
Value today
₹19,49,15,762
18 Aug 2026
Absolute gain
+₹19,25,05,762
+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
₹57,15,975
Modelled at historical FD rates. The fund beat FD by ₹18,91,99,787.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹1,30,000 | ₹1,24,58,187 | +9483.2% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,38,561 | -4.6% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹3,79,634 | +2.6% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹5,18,715 | +5.9% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹6,73,161 | +10.4% |
| Year 6 (20 Aug 2012) | ₹7,30,000 | ₹8,40,47,664 | +11413.4% |
| Year 7 (18 Aug 2013) | ₹8,50,000 | ₹9,07,03,469 | +10571% |
| Year 8 (18 Aug 2014) | ₹9,70,000 | ₹9,87,55,162 | +10080.9% |
| Year 9 (18 Aug 2015) | ₹10,90,000 | ₹10,65,41,817 | +9674.5% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹11,41,70,368 | +9335.6% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹12,10,48,513 | +9001.4% |
| Year 12 (18 Aug 2018) | ₹14,50,000 | ₹12,85,57,178 | +8766% |
| Year 13 (18 Aug 2019) | ₹15,70,000 | ₹13,71,77,453 | +8637.4% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹14,34,28,241 | +8386.9% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹14,71,53,913 | +8030.1% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹15,18,29,171 | +7766.8% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹16,10,19,737 | +7754.6% |
| Year 18 (18 Aug 2024) | ₹21,70,000 | ₹17,19,55,686 | +7824.2% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹18,29,23,857 | +7887.9% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹19,49,15,762 | +7987.8% |
Best year of the journey: Year 6 (+10496.5% 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.