₹5,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail Quarterly for 10 Years
If you had started a ₹5,000/month SIP on 27 Apr 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail Quarterly's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹8,10,442
27 Apr 2026
Absolute gain
+₹2,05,442
+34%
XIRR (annualised)
5.67%
money-weighted
The journey, month by month
Worst fall on the way
-0.8%
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
₹8,45,420
Modelled at historical FD rates. The fund trailed FD by ₹34,978.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Apr 2017) | ₹65,000 | ₹67,133 | +3.3% |
| Year 2 (27 Apr 2018) | ₹1,25,000 | ₹1,32,374 | +5.9% |
| Year 3 (30 Apr 2019) | ₹1,85,000 | ₹2,01,949 | +9.2% |
| Year 4 (27 Apr 2020) | ₹2,45,000 | ₹2,74,203 | +11.9% |
| Year 5 (27 Apr 2021) | ₹3,05,000 | ₹3,44,240 | +12.9% |
| Year 6 (27 Apr 2022) | ₹3,65,000 | ₹4,17,175 | +14.3% |
| Year 7 (27 Apr 2023) | ₹4,25,000 | ₹5,00,789 | +17.8% |
| Year 8 (29 Apr 2024) | ₹4,85,000 | ₹6,00,913 | +23.9% |
| Year 9 (28 Apr 2025) | ₹5,45,000 | ₹7,06,461 | +29.6% |
| Year 10 (27 Apr 2026) | ₹6,05,000 | ₹8,10,442 | +34% |
Best year of the journey: Year 8 (+7.2% market move) · Toughest year: Year 5 (3%)
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 2016 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.