₹5,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail Quarterly for 20 Years
If you had started a ₹5,000/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
₹11,15,000
223 installments
Value today
₹18,61,619
27 Apr 2026
Absolute gain
+₹7,46,619
+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
₹24,76,095
Modelled at historical FD rates. The fund trailed FD by ₹6,14,476.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Oct 2007) | ₹5,000 | ₹5,000 | +0% |
| Year 2 (28 Apr 2008) | ₹35,000 | ₹35,050 | +0.1% |
| Year 3 (27 Apr 2009) | ₹95,000 | ₹94,973 | +0% |
| Year 4 (27 Apr 2010) | ₹1,55,000 | ₹1,59,718 | +3% |
| Year 5 (27 Apr 2011) | ₹2,15,000 | ₹2,20,023 | +2.3% |
| Year 6 (27 Apr 2012) | ₹2,75,000 | ₹2,80,690 | +2.1% |
| Year 7 (29 Apr 2013) | ₹3,35,000 | ₹3,36,869 | +0.6% |
| Year 8 (28 Apr 2014) | ₹3,95,000 | ₹4,27,130 | +8.1% |
| Year 9 (27 Apr 2015) | ₹4,55,000 | ₹5,22,754 | +14.9% |
| Year 10 (27 Apr 2016) | ₹5,15,000 | ₹6,19,390 | +20.3% |
| Year 11 (27 Apr 2017) | ₹5,75,000 | ₹7,19,450 | +25.1% |
| Year 12 (27 Apr 2018) | ₹6,35,000 | ₹8,19,633 | +29.1% |
| Year 13 (30 Apr 2019) | ₹6,95,000 | ₹9,29,123 | +33.7% |
| Year 14 (27 Apr 2020) | ₹7,55,000 | ₹10,40,013 | +37.8% |
| Year 15 (27 Apr 2021) | ₹8,15,000 | ₹11,34,955 | +39.3% |
| Year 16 (27 Apr 2022) | ₹8,75,000 | ₹12,35,210 | +41.2% |
| Year 17 (27 Apr 2023) | ₹9,35,000 | ₹13,61,390 | +45.6% |
| Year 18 (29 Apr 2024) | ₹9,95,000 | ₹15,26,334 | +53.4% |
| Year 19 (28 Apr 2025) | ₹10,55,000 | ₹16,98,548 | +61% |
| Year 20 (27 Apr 2026) | ₹11,15,000 | ₹18,61,619 | +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.
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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 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.