₹5,000 Monthly SIP in HDFC ARBITRAGE FUND for 10 Years
If you had started a ₹5,000/month SIP on 23 May 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹8,36,773
21 May 2026
Absolute gain
+₹2,31,773
+38.3%
XIRR (annualised)
6.3%
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
₹8,44,017
Modelled at historical FD rates. The fund trailed FD by ₹7,244.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 May 2017) | ₹65,000 | ₹67,293 | +3.5% |
| Year 2 (21 May 2018) | ₹1,25,000 | ₹1,33,049 | +6.4% |
| Year 3 (21 May 2019) | ₹1,85,000 | ₹2,03,811 | +10.2% |
| Year 4 (21 May 2020) | ₹2,45,000 | ₹2,78,143 | +13.5% |
| Year 5 (21 May 2021) | ₹3,05,000 | ₹3,49,384 | +14.6% |
| Year 6 (23 May 2022) | ₹3,65,000 | ₹4,25,342 | +16.5% |
| Year 7 (22 May 2023) | ₹4,25,000 | ₹5,13,446 | +20.8% |
| Year 8 (21 May 2024) | ₹4,85,000 | ₹6,17,598 | +27.3% |
| Year 9 (21 May 2025) | ₹5,45,000 | ₹7,28,205 | +33.6% |
| Year 10 (21 May 2026) | ₹6,05,000 | ₹8,36,773 | +38.3% |
Best year of the journey: Year 8 (+7.7% market move) · Toughest year: Year 5 (3.3%)
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'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.