₹1,000 Monthly SIP in HDFC ARBITRAGE FUND - Wholesale Monthly for 10 Years
If you had started a ₹1,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Wholesale Monthly's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,26,257
18 Aug 2026
Absolute gain
+₹5,257
+4.3%
XIRR (annualised)
0.84%
money-weighted
The journey, month by month
Worst fall on the way
-2.1%
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
₹1,68,430
Modelled at historical FD rates. The fund trailed FD by ₹42,173.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹13,000 | ₹13,036 | +0.3% |
| Year 2 (20 Aug 2018) | ₹25,000 | ₹24,960 | -0.2% |
| Year 3 (19 Aug 2019) | ₹37,000 | ₹36,976 | -0.1% |
| Year 4 (18 Aug 2020) | ₹49,000 | ₹48,701 | -0.6% |
| Year 5 (18 Aug 2021) | ₹61,000 | ₹61,418 | +0.7% |
| Year 6 (18 Aug 2022) | ₹73,000 | ₹72,520 | -0.7% |
| Year 7 (18 Aug 2023) | ₹85,000 | ₹86,229 | +1.4% |
| Year 8 (19 Aug 2024) | ₹97,000 | ₹1,00,320 | +3.4% |
| Year 9 (18 Aug 2025) | ₹1,09,000 | ₹1,13,554 | +4.2% |
| Year 10 (18 Aug 2026) | ₹1,19,000 | ₹1,24,253 | +4.4% |
Best year of the journey: Year 8 (+2.1% market move) · Toughest year: Year 6 (-1.2%)
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 - Wholesale Monthly's published NAV (source: AMFI) between 18 Aug 2016 and 18 Aug 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.