₹5,000 Monthly SIP in Quantum Liquid Fund for 20 Years
If you had started a ₹5,000/month SIP on 4 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using Quantum Liquid Fund's actual NAV for all 241 installments.
You invested
₹12,05,000
241 installments
Value today
₹23,76,332
4 Oct 2026
Absolute gain
+₹11,71,332
+97.2%
XIRR (annualised)
6.35%
money-weighted
The journey, month by month
Worst fall on the way
-0.3%
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
₹28,52,605
Modelled at historical FD rates. The fund trailed FD by ₹4,76,273.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Oct 2007) | ₹65,000 | ₹67,480 | +3.8% |
| Year 2 (5 Oct 2008) | ₹1,25,000 | ₹1,35,959 | +8.8% |
| Year 3 (4 Oct 2009) | ₹1,85,000 | ₹2,06,314 | +11.5% |
| Year 4 (4 Oct 2010) | ₹2,45,000 | ₹2,77,603 | +13.3% |
| Year 5 (4 Oct 2011) | ₹3,05,000 | ₹3,63,035 | +19% |
| Year 6 (4 Oct 2012) | ₹3,65,000 | ₹4,59,697 | +25.9% |
| Year 7 (4 Oct 2013) | ₹4,25,000 | ₹5,61,292 | +32.1% |
| Year 8 (6 Oct 2014) | ₹4,85,000 | ₹6,74,513 | +39.1% |
| Year 9 (4 Oct 2015) | ₹5,45,000 | ₹7,91,935 | +45.3% |
| Year 10 (4 Oct 2016) | ₹6,05,000 | ₹9,09,895 | +50.4% |
| Year 11 (4 Oct 2017) | ₹6,65,000 | ₹10,26,976 | +54.4% |
| Year 12 (4 Oct 2018) | ₹7,25,000 | ₹11,53,697 | +59.1% |
| Year 13 (4 Oct 2019) | ₹7,85,000 | ₹12,91,216 | +64.5% |
| Year 14 (4 Oct 2020) | ₹8,45,000 | ₹14,05,812 | +66.4% |
| Year 15 (4 Oct 2021) | ₹9,05,000 | ₹15,10,781 | +66.9% |
| Year 16 (4 Oct 2022) | ₹9,65,000 | ₹16,32,045 | +69.1% |
| Year 17 (4 Oct 2023) | ₹10,25,000 | ₹18,03,493 | +76% |
| Year 18 (4 Oct 2024) | ₹10,85,000 | ₹19,94,529 | +83.8% |
| Year 19 (4 Oct 2025) | ₹11,45,000 | ₹21,84,982 | +90.8% |
| Year 20 (4 Oct 2026) | ₹12,05,000 | ₹23,76,332 | +97.2% |
Best year of the journey: Year 6 (+8.7% market move) · Toughest year: Year 15 (3.1%)
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 Quantum Liquid Fund's published NAV (source: AMFI) between 4 Oct 2006 and 4 Oct 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.