₹2,000 Monthly SIP in Nippon India Liquid Fund - Retail Option for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹3,89,83,152
18 Aug 2026
Absolute gain
+₹3,85,01,152
+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
₹11,43,195
Modelled at historical FD rates. The fund beat FD by ₹3,78,39,957.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹26,000 | ₹24,91,637 | +9483.2% |
| Year 2 (18 Aug 2008) | ₹50,000 | ₹47,712 | -4.6% |
| Year 3 (18 Aug 2009) | ₹74,000 | ₹75,927 | +2.6% |
| Year 4 (18 Aug 2010) | ₹98,000 | ₹1,03,743 | +5.9% |
| Year 5 (18 Aug 2011) | ₹1,22,000 | ₹1,34,632 | +10.4% |
| Year 6 (20 Aug 2012) | ₹1,46,000 | ₹1,68,09,533 | +11413.4% |
| Year 7 (18 Aug 2013) | ₹1,70,000 | ₹1,81,40,694 | +10571% |
| Year 8 (18 Aug 2014) | ₹1,94,000 | ₹1,97,51,032 | +10080.9% |
| Year 9 (18 Aug 2015) | ₹2,18,000 | ₹2,13,08,363 | +9674.5% |
| Year 10 (18 Aug 2016) | ₹2,42,000 | ₹2,28,34,074 | +9335.6% |
| Year 11 (18 Aug 2017) | ₹2,66,000 | ₹2,42,09,703 | +9001.4% |
| Year 12 (18 Aug 2018) | ₹2,90,000 | ₹2,57,11,436 | +8766% |
| Year 13 (18 Aug 2019) | ₹3,14,000 | ₹2,74,35,491 | +8637.4% |
| Year 14 (18 Aug 2020) | ₹3,38,000 | ₹2,86,85,648 | +8386.9% |
| Year 15 (18 Aug 2021) | ₹3,62,000 | ₹2,94,30,783 | +8030.1% |
| Year 16 (18 Aug 2022) | ₹3,86,000 | ₹3,03,65,834 | +7766.8% |
| Year 17 (18 Aug 2023) | ₹4,10,000 | ₹3,22,03,947 | +7754.6% |
| Year 18 (18 Aug 2024) | ₹4,34,000 | ₹3,43,91,137 | +7824.2% |
| Year 19 (18 Aug 2025) | ₹4,58,000 | ₹3,65,84,771 | +7887.9% |
| Year 20 (18 Aug 2026) | ₹4,82,000 | ₹3,89,83,152 | +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.
Try a different amount
Try a different duration
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.