₹10,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail for 20 Years
If you had started a ₹10,000/month SIP on 23 Oct 2007 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail's actual NAV for all 224 installments.
You invested
₹22,40,000
224 installments
Value today
₹40,58,613
21 May 2026
Absolute gain
+₹18,18,613
+81.2%
XIRR (annualised)
6.01%
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
₹49,86,450
Modelled at historical FD rates. The fund trailed FD by ₹9,27,837.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Oct 2007) | ₹10,000 | ₹10,000 | +0% |
| Year 2 (21 May 2008) | ₹80,000 | ₹81,962 | +2.5% |
| Year 3 (21 May 2009) | ₹2,00,000 | ₹2,11,933 | +6% |
| Year 4 (21 May 2010) | ₹3,20,000 | ₹3,42,650 | +7.1% |
| Year 5 (23 May 2011) | ₹4,40,000 | ₹4,95,700 | +12.7% |
| Year 6 (21 May 2012) | ₹5,60,000 | ₹6,60,866 | +18% |
| Year 7 (21 May 2013) | ₹6,80,000 | ₹8,38,335 | +23.3% |
| Year 8 (21 May 2014) | ₹8,00,000 | ₹10,33,509 | +29.2% |
| Year 9 (21 May 2015) | ₹9,20,000 | ₹12,40,381 | +34.8% |
| Year 10 (23 May 2016) | ₹10,40,000 | ₹14,44,580 | +38.9% |
| Year 11 (22 May 2017) | ₹11,60,000 | ₹16,56,307 | +42.8% |
| Year 12 (21 May 2018) | ₹12,80,000 | ₹18,66,025 | +45.8% |
| Year 13 (21 May 2019) | ₹14,00,000 | ₹21,00,714 | +50.1% |
| Year 14 (21 May 2020) | ₹15,20,000 | ₹23,38,882 | +53.9% |
| Year 15 (21 May 2021) | ₹16,40,000 | ₹25,29,114 | +54.2% |
| Year 16 (23 May 2022) | ₹17,60,000 | ₹27,40,625 | +55.7% |
| Year 17 (22 May 2023) | ₹18,80,000 | ₹30,03,517 | +59.8% |
| Year 18 (21 May 2024) | ₹20,00,000 | ₹33,51,884 | +67.6% |
| Year 19 (21 May 2025) | ₹21,20,000 | ₹37,15,208 | +75.2% |
| Year 20 (21 May 2026) | ₹22,40,000 | ₹40,58,613 | +81.2% |
Best year of the journey: Year 8 (+7.8% market move) · Toughest year: Year 1 (0%)
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 Oct 2007 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.