₹5,000 Monthly SIP in NIPPON INDIA LIQUID FUND - RETAIL plan - MONTHLY 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 plan - MONTHLY's actual NAV for all 241 installments.
You invested
₹12,05,000
241 installments
Value today
₹3,92,16,823
18 Aug 2026
Absolute gain
+₹3,80,11,823
+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
₹28,57,938
Modelled at historical FD rates. The fund beat FD by ₹3,63,58,885.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2007) | ₹65,000 | ₹67,575 | +4% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,35,007 | +8% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹2,04,323 | +10.4% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹2,64,494 | +8% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹3,25,450 | +6.7% |
| Year 6 (20 Aug 2012) | ₹3,65,000 | ₹3,85,92,397 | +10473.3% |
| Year 7 (18 Aug 2013) | ₹4,25,000 | ₹3,86,23,777 | +8987.9% |
| Year 8 (18 Aug 2014) | ₹4,85,000 | ₹3,86,13,864 | +7861.6% |
| Year 9 (18 Aug 2015) | ₹5,45,000 | ₹3,86,36,016 | +6989.2% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹3,86,80,594 | +6293.5% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹3,87,26,920 | +5723.6% |
| Year 12 (18 Aug 2018) | ₹7,25,000 | ₹3,87,93,341 | +5250.8% |
| Year 13 (18 Aug 2019) | ₹7,85,000 | ₹3,88,17,396 | +4844.9% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹3,87,74,121 | +4488.7% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹3,88,35,188 | +4191.2% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹3,89,42,167 | +3935.5% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹3,90,35,342 | +3708.3% |
| Year 18 (18 Aug 2024) | ₹10,85,000 | ₹3,91,03,967 | +3504.1% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹3,91,30,387 | +3317.5% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹3,92,16,823 | +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.
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 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.