₹10,000 Monthly SIP in UTI- Liquid Cash Plan for 10 Years
If you had started a ₹10,000/month SIP on 12 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI- Liquid Cash Plan's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹1,74,627
12 Jul 2026
Absolute gain
₹-10,35,373
-85.6%
XIRR (annualised)
-49.99%
money-weighted
The journey, month by month
Worst fall on the way
-90%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,83,738
Modelled at historical FD rates. The fund trailed FD by ₹15,09,111.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Jul 2017) | ₹1,30,000 | ₹1,34,634 | +3.6% |
| Year 2 (12 Jul 2018) | ₹2,50,000 | ₹2,68,262 | +7.3% |
| Year 3 (12 Jul 2019) | ₹3,70,000 | ₹4,12,887 | +11.6% |
| Year 4 (12 Jul 2020) | ₹4,90,000 | ₹5,58,497 | +14% |
| Year 5 (12 Jul 2021) | ₹6,10,000 | ₹6,98,736 | +14.5% |
| Year 6 (12 Jul 2022) | ₹7,30,000 | ₹8,47,213 | +16.1% |
| Year 7 (12 Jul 2023) | ₹8,50,000 | ₹10,27,151 | +20.8% |
| Year 8 (12 Jul 2024) | ₹9,70,000 | ₹12,27,337 | +26.5% |
| Year 9 (12 Jul 2025) | ₹10,90,000 | ₹14,40,032 | +32.1% |
| Year 10 (12 Jul 2026) | ₹12,10,000 | ₹1,74,627 | -85.6% |
Best year of the journey: Year 8 (+7% market move) · Toughest year: Year 10 (-88.8%)
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 UTI- Liquid Cash Plan's published NAV (source: AMFI) between 12 Jul 2016 and 12 Jul 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.