₹1,000 Monthly SIP in NIPPON INDIA LIQUID FUND - RETAIL plan - MONTHLY 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 plan - MONTHLY's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹78,43,365
18 Aug 2026
Absolute gain
+₹76,02,365
+3154.5%
XIRR (annualised)
29.05%
money-weighted
The journey, month by month
Worst fall on the way
-1.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,71,588
Modelled at historical FD rates. The fund beat FD by ₹72,71,777.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2007) | ₹13,000 | ₹13,515 | +4% |
| Year 2 (18 Aug 2008) | ₹25,000 | ₹27,001 | +8% |
| Year 3 (18 Aug 2009) | ₹37,000 | ₹40,865 | +10.4% |
| Year 4 (18 Aug 2010) | ₹49,000 | ₹52,899 | +8% |
| Year 5 (18 Aug 2011) | ₹61,000 | ₹65,090 | +6.7% |
| Year 6 (20 Aug 2012) | ₹73,000 | ₹77,18,479 | +10473.3% |
| Year 7 (18 Aug 2013) | ₹85,000 | ₹77,24,755 | +8987.9% |
| Year 8 (18 Aug 2014) | ₹97,000 | ₹77,22,773 | +7861.6% |
| Year 9 (18 Aug 2015) | ₹1,09,000 | ₹77,27,203 | +6989.2% |
| Year 10 (18 Aug 2016) | ₹1,21,000 | ₹77,36,119 | +6293.5% |
| Year 11 (18 Aug 2017) | ₹1,33,000 | ₹77,45,384 | +5723.6% |
| Year 12 (18 Aug 2018) | ₹1,45,000 | ₹77,58,668 | +5250.8% |
| Year 13 (18 Aug 2019) | ₹1,57,000 | ₹77,63,479 | +4844.9% |
| Year 14 (18 Aug 2020) | ₹1,69,000 | ₹77,54,824 | +4488.7% |
| Year 15 (18 Aug 2021) | ₹1,81,000 | ₹77,67,038 | +4191.2% |
| Year 16 (18 Aug 2022) | ₹1,93,000 | ₹77,88,433 | +3935.5% |
| Year 17 (18 Aug 2023) | ₹2,05,000 | ₹78,07,068 | +3708.3% |
| Year 18 (18 Aug 2024) | ₹2,17,000 | ₹78,20,793 | +3504.1% |
| Year 19 (18 Aug 2025) | ₹2,29,000 | ₹78,26,077 | +3317.5% |
| Year 20 (18 Aug 2026) | ₹2,41,000 | ₹78,43,365 | +3154.5% |
Best year of the journey: Year 6 (+9912.3% market move) · Toughest year: Year 14 (-0.3%)
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 plan - MONTHLY'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.