₹5,000 Monthly SIP in Nippon India Liquid Fund - Retail Option for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹9,74,57,881
18 Aug 2026
Absolute gain
+₹9,62,52,881
+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
₹28,57,988
Modelled at historical FD rates. The fund beat FD by ₹9,45,99,893.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2007) | ₹65,000 | ₹62,29,093 | +9483.2% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,19,281 | -4.6% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹1,89,817 | +2.6% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹2,59,358 | +5.9% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹3,36,581 | +10.4% |
| Year 6 (20 Aug 2012) | ₹3,65,000 | ₹4,20,23,832 | +11413.4% |
| Year 7 (18 Aug 2013) | ₹4,25,000 | ₹4,53,51,734 | +10571% |
| Year 8 (18 Aug 2014) | ₹4,85,000 | ₹4,93,77,581 | +10080.9% |
| Year 9 (18 Aug 2015) | ₹5,45,000 | ₹5,32,70,908 | +9674.5% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹5,70,85,184 | +9335.6% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹6,05,24,256 | +9001.4% |
| Year 12 (18 Aug 2018) | ₹7,25,000 | ₹6,42,78,589 | +8766% |
| Year 13 (18 Aug 2019) | ₹7,85,000 | ₹6,85,88,726 | +8637.4% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹7,17,14,121 | +8386.9% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹7,35,76,957 | +8030.1% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹7,59,14,585 | +7766.8% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹8,05,09,868 | +7754.6% |
| Year 18 (18 Aug 2024) | ₹10,85,000 | ₹8,59,77,843 | +7824.2% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹9,14,61,928 | +7887.9% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹9,74,57,881 | +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.