₹5,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail Quarterly for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹14,07,369
27 Apr 2026
Absolute gain
+₹5,02,369
+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
₹16,99,808
Modelled at historical FD rates. The fund trailed FD by ₹2,92,439.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Apr 2012) | ₹65,000 | ₹65,156 | +0.2% |
| Year 2 (29 Apr 2013) | ₹1,25,000 | ₹1,23,320 | -1.3% |
| Year 3 (28 Apr 2014) | ₹1,85,000 | ₹1,96,086 | +6% |
| Year 4 (27 Apr 2015) | ₹2,45,000 | ₹2,73,766 | +11.7% |
| Year 5 (27 Apr 2016) | ₹3,05,000 | ₹3,53,891 | +16% |
| Year 6 (27 Apr 2017) | ₹3,65,000 | ₹4,37,561 | +19.9% |
| Year 7 (27 Apr 2018) | ₹4,25,000 | ₹5,22,645 | +23% |
| Year 8 (30 Apr 2019) | ₹4,85,000 | ₹6,14,886 | +26.8% |
| Year 9 (27 Apr 2020) | ₹5,45,000 | ₹7,09,080 | +30.1% |
| Year 10 (27 Apr 2021) | ₹6,05,000 | ₹7,93,260 | +31.1% |
| Year 11 (27 Apr 2022) | ₹6,65,000 | ₹8,81,709 | +32.6% |
| Year 12 (27 Apr 2023) | ₹7,25,000 | ₹9,89,494 | +36.5% |
| Year 13 (29 Apr 2024) | ₹7,85,000 | ₹11,26,428 | +43.5% |
| Year 14 (28 Apr 2025) | ₹8,45,000 | ₹12,69,833 | +50.3% |
| Year 15 (27 Apr 2026) | ₹9,05,000 | ₹14,07,369 | +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.