₹2,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail Quarterly for 20 Years
If you had started a ₹2,000/month SIP on 29 Oct 2007 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail Quarterly's actual NAV for all 223 installments.
You invested
₹4,46,000
223 installments
Value today
₹7,44,648
27 Apr 2026
Absolute gain
+₹2,98,648
+67%
XIRR (annualised)
5.23%
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
₹9,90,438
Modelled at historical FD rates. The fund trailed FD by ₹2,45,790.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Oct 2007) | ₹2,000 | ₹2,000 | +0% |
| Year 2 (28 Apr 2008) | ₹14,000 | ₹14,020 | +0.1% |
| Year 3 (27 Apr 2009) | ₹38,000 | ₹37,989 | +0% |
| Year 4 (27 Apr 2010) | ₹62,000 | ₹63,887 | +3% |
| Year 5 (27 Apr 2011) | ₹86,000 | ₹88,009 | +2.3% |
| Year 6 (27 Apr 2012) | ₹1,10,000 | ₹1,12,276 | +2.1% |
| Year 7 (29 Apr 2013) | ₹1,34,000 | ₹1,34,748 | +0.6% |
| Year 8 (28 Apr 2014) | ₹1,58,000 | ₹1,70,852 | +8.1% |
| Year 9 (27 Apr 2015) | ₹1,82,000 | ₹2,09,102 | +14.9% |
| Year 10 (27 Apr 2016) | ₹2,06,000 | ₹2,47,756 | +20.3% |
| Year 11 (27 Apr 2017) | ₹2,30,000 | ₹2,87,780 | +25.1% |
| Year 12 (27 Apr 2018) | ₹2,54,000 | ₹3,27,853 | +29.1% |
| Year 13 (30 Apr 2019) | ₹2,78,000 | ₹3,71,649 | +33.7% |
| Year 14 (27 Apr 2020) | ₹3,02,000 | ₹4,16,005 | +37.8% |
| Year 15 (27 Apr 2021) | ₹3,26,000 | ₹4,53,982 | +39.3% |
| Year 16 (27 Apr 2022) | ₹3,50,000 | ₹4,94,084 | +41.2% |
| Year 17 (27 Apr 2023) | ₹3,74,000 | ₹5,44,556 | +45.6% |
| Year 18 (29 Apr 2024) | ₹3,98,000 | ₹6,10,534 | +53.4% |
| Year 19 (28 Apr 2025) | ₹4,22,000 | ₹6,79,419 | +61% |
| Year 20 (27 Apr 2026) | ₹4,46,000 | ₹7,44,648 | +67% |
Best year of the journey: Year 8 (+7.6% market move) · Toughest year: Year 7 (-1.1%)
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 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 29 Oct 2007 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.