₹10,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail Quarterly for 15 Years
If you had started a ₹10,000/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
₹18,10,000
181 installments
Value today
₹28,14,738
27 Apr 2026
Absolute gain
+₹10,04,738
+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
₹33,99,616
Modelled at historical FD rates. The fund trailed FD by ₹5,84,878.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Apr 2012) | ₹1,30,000 | ₹1,30,312 | +0.2% |
| Year 2 (29 Apr 2013) | ₹2,50,000 | ₹2,46,640 | -1.3% |
| Year 3 (28 Apr 2014) | ₹3,70,000 | ₹3,92,172 | +6% |
| Year 4 (27 Apr 2015) | ₹4,90,000 | ₹5,47,533 | +11.7% |
| Year 5 (27 Apr 2016) | ₹6,10,000 | ₹7,07,782 | +16% |
| Year 6 (27 Apr 2017) | ₹7,30,000 | ₹8,75,122 | +19.9% |
| Year 7 (27 Apr 2018) | ₹8,50,000 | ₹10,45,289 | +23% |
| Year 8 (30 Apr 2019) | ₹9,70,000 | ₹12,29,771 | +26.8% |
| Year 9 (27 Apr 2020) | ₹10,90,000 | ₹14,18,160 | +30.1% |
| Year 10 (27 Apr 2021) | ₹12,10,000 | ₹15,86,520 | +31.1% |
| Year 11 (27 Apr 2022) | ₹13,30,000 | ₹17,63,418 | +32.6% |
| Year 12 (27 Apr 2023) | ₹14,50,000 | ₹19,78,989 | +36.5% |
| Year 13 (29 Apr 2024) | ₹15,70,000 | ₹22,52,855 | +43.5% |
| Year 14 (28 Apr 2025) | ₹16,90,000 | ₹25,39,666 | +50.3% |
| Year 15 (27 Apr 2026) | ₹18,10,000 | ₹28,14,738 | +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.