₹5,000 Monthly SIP in Union Liquid Fund - Monthly for 5 Years
If you had started a ₹5,000/month SIP on 5 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using Union Liquid Fund - Monthly's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,05,214
5 Aug 2026
Absolute gain
+₹214
+0.1%
XIRR (annualised)
0.03%
money-weighted
The journey, month by month
Worst fall on the way
-0.7%
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
₹3,57,294
Modelled at historical FD rates. The fund trailed FD by ₹52,080.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Aug 2022) | ₹65,000 | ₹65,062 | +0.1% |
| Year 2 (6 Aug 2023) | ₹1,25,000 | ₹1,25,154 | +0.1% |
| Year 3 (5 Aug 2024) | ₹1,85,000 | ₹1,85,180 | +0.1% |
| Year 4 (5 Aug 2025) | ₹2,45,000 | ₹2,45,153 | +0.1% |
| Year 5 (5 Aug 2026) | ₹3,05,000 | ₹3,05,214 | +0.1% |
Best year of the journey: Year 1 (+0.1% market move) · Toughest year: Year 4 (0%)
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 Union Liquid Fund - Monthly's published NAV (source: AMFI) between 5 Aug 2021 and 5 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.