₹10,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail for 10 Years
If you had started a ₹10,000/month SIP on 23 May 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,14,843
21 May 2026
Absolute gain
+₹4,04,843
+33.5%
XIRR (annualised)
5.62%
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
₹16,88,034
Modelled at historical FD rates. The fund trailed FD by ₹73,191.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 May 2017) | ₹1,30,000 | ₹1,34,114 | +3.2% |
| Year 2 (21 May 2018) | ₹2,50,000 | ₹2,64,198 | +5.7% |
| Year 3 (21 May 2019) | ₹3,70,000 | ₹4,03,609 | +9.1% |
| Year 4 (21 May 2020) | ₹4,90,000 | ₹5,48,845 | +12% |
| Year 5 (21 May 2021) | ₹6,10,000 | ₹6,86,978 | +12.6% |
| Year 6 (23 May 2022) | ₹7,30,000 | ₹8,33,327 | +14.2% |
| Year 7 (22 May 2023) | ₹8,50,000 | ₹9,99,219 | +17.6% |
| Year 8 (21 May 2024) | ₹9,70,000 | ₹11,98,253 | +23.5% |
| Year 9 (21 May 2025) | ₹10,90,000 | ₹14,07,943 | +29.2% |
| Year 10 (21 May 2026) | ₹12,10,000 | ₹16,14,843 | +33.5% |
Best year of the journey: Year 8 (+7.1% market move) · Toughest year: Year 5 (2.7%)
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's published NAV (source: AMFI) between 23 May 2016 and 21 May 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.