₹25,000 Monthly SIP in HDFC ELSS Tax saver for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹61,57,216
29 Sept 2026
Absolute gain
+₹31,32,216
+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
₹42,16,895
Modelled at historical FD rates. The fund beat FD by ₹19,40,321.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹3,25,000 | ₹3,55,695 | +9.4% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹6,89,884 | +6.1% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹9,50,194 | +2.7% |
| Year 4 (29 Sept 2020) | ₹12,25,000 | ₹11,76,890 | -3.9% |
| Year 5 (29 Sept 2021) | ₹15,25,000 | ₹22,75,238 | +49.2% |
| Year 6 (29 Sept 2022) | ₹18,25,000 | ₹27,23,789 | +49.2% |
| Year 7 (29 Sept 2023) | ₹21,25,000 | ₹37,57,852 | +76.8% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹59,62,783 | +145.9% |
| Year 9 (29 Sept 2025) | ₹27,25,000 | ₹63,14,731 | +131.7% |
| Year 10 (29 Sept 2026) | ₹30,25,000 | ₹61,57,216 | +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.