₹1,000 Monthly SIP in HDFC Liquid Fund-PREMIUM PLUS for 3 Years
If you had started a ₹1,000/month SIP on 17 Dec 2009 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Liquid Fund-PREMIUM PLUS's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹18,410
17 Dec 2012
Absolute gain
₹-18,590
-50.2%
XIRR (annualised)
-40.55%
money-weighted
The journey, month by month
Worst fall on the way
-56.4%
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
₹41,658
Modelled at historical FD rates. The fund trailed FD by ₹23,248.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Dec 2010) | ₹13,000 | ₹13,408 | +3.1% |
| Year 2 (18 Dec 2011) | ₹25,000 | ₹27,138 | +8.6% |
| Year 3 (17 Dec 2012) | ₹37,000 | ₹18,410 | -50.2% |
Best year of the journey: Year 2 (+6.8% market move) · Toughest year: Year 3 (-53%)
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 HDFC Liquid Fund-PREMIUM PLUS's published NAV (source: AMFI) between 17 Dec 2009 and 17 Dec 2012; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.