₹5,000 Monthly SIP in Quantum Liquid Fund for 20 Years
If you had started a ₹5,000/month SIP on 9 Aug 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
₹23,82,332
9 Aug 2026
Absolute gain
+₹11,77,332
+97.7%
XIRR (annualised)
6.37%
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
₹28,52,798
Modelled at historical FD rates. The fund trailed FD by ₹4,70,466.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Aug 2007) | ₹65,000 | ₹67,591 | +4% |
| Year 2 (10 Aug 2008) | ₹1,25,000 | ₹1,35,571 | +8.5% |
| Year 3 (9 Aug 2009) | ₹1,85,000 | ₹2,07,736 | +12.3% |
| Year 4 (9 Aug 2010) | ₹2,45,000 | ₹2,78,073 | +13.5% |
| Year 5 (9 Aug 2011) | ₹3,05,000 | ₹3,62,567 | +18.9% |
| Year 6 (9 Aug 2012) | ₹3,65,000 | ₹4,59,505 | +25.9% |
| Year 7 (11 Aug 2013) | ₹4,25,000 | ₹5,59,334 | +31.6% |
| Year 8 (10 Aug 2014) | ₹4,85,000 | ₹6,74,059 | +39% |
| Year 9 (9 Aug 2015) | ₹5,45,000 | ₹7,92,825 | +45.5% |
| Year 10 (9 Aug 2016) | ₹6,05,000 | ₹9,12,315 | +50.8% |
| Year 11 (9 Aug 2017) | ₹6,65,000 | ₹10,30,467 | +55% |
| Year 12 (9 Aug 2018) | ₹7,25,000 | ₹11,56,299 | +59.5% |
| Year 13 (9 Aug 2019) | ₹7,85,000 | ₹12,96,367 | +65.1% |
| Year 14 (9 Aug 2020) | ₹8,45,000 | ₹14,15,817 | +67.6% |
| Year 15 (9 Aug 2021) | ₹9,05,000 | ₹15,21,084 | +68.1% |
| Year 16 (9 Aug 2022) | ₹9,65,000 | ₹16,37,777 | +69.7% |
| Year 17 (9 Aug 2023) | ₹10,25,000 | ₹18,05,648 | +76.2% |
| Year 18 (9 Aug 2024) | ₹10,85,000 | ₹19,96,164 | +84% |
| Year 19 (9 Aug 2025) | ₹11,45,000 | ₹21,92,015 | +91.4% |
| Year 20 (9 Aug 2026) | ₹12,05,000 | ₹23,82,332 | +97.7% |
Best year of the journey: Year 8 (+8.8% 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 9 Aug 2006 and 9 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.