₹10,000 Monthly SIP in HDFC ELSS Tax saver for 10 Years
If you had started a ₹10,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ELSS Tax saver's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹24,62,886
29 Sept 2026
Absolute gain
+₹12,52,886
+103.5%
XIRR (annualised)
13.52%
money-weighted
The journey, month by month
Worst fall on the way
-37.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,86,758
Modelled at historical FD rates. The fund beat FD by ₹7,76,128.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,42,278 | +9.4% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,75,953 | +6.1% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹3,80,077 | +2.7% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹4,70,756 | -3.9% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹9,10,095 | +49.2% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹10,89,516 | +49.2% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹15,03,141 | +76.8% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹23,85,113 | +145.9% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹25,25,892 | +131.7% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹24,62,886 | +103.5% |
Best year of the journey: Year 5 (+54.1% market move) · Toughest year: Year 10 (-6.9%)
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 ELSS Tax saver's published NAV (source: AMFI) between 29 Sept 2016 and 29 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.