₹10,000 Monthly SIP in UTI- Liquid Cash Plan for 5 Years
If you had started a ₹10,000/month SIP on 12 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI- Liquid Cash Plan's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹81,318
12 Jul 2026
Absolute gain
₹-5,28,682
-86.7%
XIRR (annualised)
-77.78%
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
₹7,14,699
Modelled at historical FD rates. The fund trailed FD by ₹6,33,381.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Jul 2022) | ₹1,30,000 | ₹1,32,674 | +2.1% |
| Year 2 (12 Jul 2023) | ₹2,50,000 | ₹2,65,473 | +6.2% |
| Year 3 (12 Jul 2024) | ₹3,70,000 | ₹4,09,416 | +10.7% |
| Year 4 (12 Jul 2025) | ₹4,90,000 | ₹5,63,091 | +14.9% |
| Year 5 (12 Jul 2026) | ₹6,10,000 | ₹81,318 | -86.7% |
Best year of the journey: Year 4 (+6.4% market move) · Toughest year: Year 5 (-88.1%)
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 UTI- Liquid Cash Plan's published NAV (source: AMFI) between 12 Jul 2021 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.