₹25,000 Monthly SIP in Nippon India Liquid Fund - Retail Option for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹48,72,89,404
18 Aug 2026
Absolute gain
+₹48,12,64,404
+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
₹1,42,89,938
Modelled at historical FD rates. The fund beat FD by ₹47,29,99,466.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹3,25,000 | ₹3,11,45,467 | +9483.2% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹5,96,403 | -4.6% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹9,49,084 | +2.6% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹12,96,788 | +5.9% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹16,82,903 | +10.4% |
| Year 6 (20 Aug 2012) | ₹18,25,000 | ₹21,01,19,159 | +11413.4% |
| Year 7 (18 Aug 2013) | ₹21,25,000 | ₹22,67,58,671 | +10571% |
| Year 8 (18 Aug 2014) | ₹24,25,000 | ₹24,68,87,906 | +10080.9% |
| Year 9 (18 Aug 2015) | ₹27,25,000 | ₹26,63,54,542 | +9674.5% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹28,54,25,921 | +9335.6% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹30,26,21,281 | +9001.4% |
| Year 12 (18 Aug 2018) | ₹36,25,000 | ₹32,13,92,946 | +8766% |
| Year 13 (18 Aug 2019) | ₹39,25,000 | ₹34,29,43,632 | +8637.4% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹35,85,70,604 | +8386.9% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹36,78,84,783 | +8030.1% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹37,95,72,927 | +7766.8% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹40,25,49,342 | +7754.6% |
| Year 18 (18 Aug 2024) | ₹54,25,000 | ₹42,98,89,215 | +7824.2% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹45,73,09,642 | +7887.9% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹48,72,89,404 | +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.