₹25,000 Monthly SIP in HDFC Balanced Advantage Fund for 10 Years
If you had started a ₹25,000/month SIP on 26 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Balanced Advantage Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹64,27,406
25 Sept 2026
Absolute gain
+₹34,02,406
+112.5%
XIRR (annualised)
14.34%
money-weighted
The journey, month by month
Worst fall on the way
-30.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,14,057
Modelled at historical FD rates. The fund beat FD by ₹22,13,349.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹3,25,000 | ₹3,55,676 | +9.4% |
| Year 2 (25 Sept 2018) | ₹6,25,000 | ₹6,92,641 | +10.8% |
| Year 3 (25 Sept 2019) | ₹9,25,000 | ₹10,28,672 | +11.2% |
| Year 4 (25 Sept 2020) | ₹12,25,000 | ₹12,16,972 | -0.7% |
| Year 5 (27 Sept 2021) | ₹15,25,000 | ₹23,02,534 | +51% |
| Year 6 (26 Sept 2022) | ₹18,25,000 | ₹28,82,015 | +57.9% |
| Year 7 (25 Sept 2023) | ₹21,25,000 | ₹39,98,824 | +88.2% |
| Year 8 (25 Sept 2024) | ₹24,25,000 | ₹57,88,955 | +138.7% |
| Year 9 (25 Sept 2025) | ₹27,25,000 | ₹61,74,470 | +126.6% |
| Year 10 (25 Sept 2026) | ₹30,25,000 | ₹64,27,406 | +112.5% |
Best year of the journey: Year 5 (+51.8% market move) · Toughest year: Year 4 (-8.4%)
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 Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Balanced Advantage Fund's published NAV (source: AMFI) between 26 Sept 2016 and 25 Sept 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.