₹10,000 Monthly SIP in HDFC Banking & Financial Services Fund for 5 Years
If you had started a ₹10,000/month SIP on 8 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Banking & Financial Services Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,96,690
8 Oct 2026
Absolute gain
+₹1,86,690
+30.6%
XIRR (annualised)
10.7%
money-weighted
The journey, month by month
Worst fall on the way
-16%
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
₹7,16,444
Modelled at historical FD rates. The fund beat FD by ₹80,246.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2022) | ₹1,30,000 | ₹1,34,345 | +3.3% |
| Year 2 (9 Oct 2023) | ₹2,50,000 | ₹2,94,805 | +17.9% |
| Year 3 (8 Oct 2024) | ₹3,70,000 | ₹4,98,532 | +34.7% |
| Year 4 (8 Oct 2025) | ₹4,90,000 | ₹6,75,816 | +37.9% |
| Year 5 (8 Oct 2026) | ₹6,10,000 | ₹7,96,690 | +30.6% |
Best year of the journey: Year 3 (+20.2% market move) · Toughest year: Year 5 (0.1%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Banking & Financial Services Fund's published NAV (source: AMFI) between 8 Oct 2021 and 8 Oct 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.