₹1,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail Quarterly for 15 Years
If you had started a ₹1,000/month SIP on 27 Apr 2011 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail Quarterly's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹2,81,474
27 Apr 2026
Absolute gain
+₹1,00,474
+55.5%
XIRR (annualised)
5.61%
money-weighted
The journey, month by month
Worst fall on the way
-6.1%
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
₹3,39,962
Modelled at historical FD rates. The fund trailed FD by ₹58,488.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Apr 2012) | ₹13,000 | ₹13,031 | +0.2% |
| Year 2 (29 Apr 2013) | ₹25,000 | ₹24,664 | -1.3% |
| Year 3 (28 Apr 2014) | ₹37,000 | ₹39,217 | +6% |
| Year 4 (27 Apr 2015) | ₹49,000 | ₹54,753 | +11.7% |
| Year 5 (27 Apr 2016) | ₹61,000 | ₹70,778 | +16% |
| Year 6 (27 Apr 2017) | ₹73,000 | ₹87,512 | +19.9% |
| Year 7 (27 Apr 2018) | ₹85,000 | ₹1,04,529 | +23% |
| Year 8 (30 Apr 2019) | ₹97,000 | ₹1,22,977 | +26.8% |
| Year 9 (27 Apr 2020) | ₹1,09,000 | ₹1,41,816 | +30.1% |
| Year 10 (27 Apr 2021) | ₹1,21,000 | ₹1,58,652 | +31.1% |
| Year 11 (27 Apr 2022) | ₹1,33,000 | ₹1,76,342 | +32.6% |
| Year 12 (27 Apr 2023) | ₹1,45,000 | ₹1,97,899 | +36.5% |
| Year 13 (29 Apr 2024) | ₹1,57,000 | ₹2,25,286 | +43.5% |
| Year 14 (28 Apr 2025) | ₹1,69,000 | ₹2,53,967 | +50.3% |
| Year 15 (27 Apr 2026) | ₹1,81,000 | ₹2,81,474 | +55.5% |
Best year of the journey: Year 13 (+7.3% market move) · Toughest year: Year 2 (-1.5%)
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 Arbitrage funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC ARBITRAGE FUND - Retail Quarterly's published NAV (source: AMFI) between 27 Apr 2011 and 27 Apr 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.