₹25,000 Monthly SIP in HDFC ELSS Tax saver for 5 Years
If you had started a ₹25,000/month SIP on 29 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ELSS Tax saver's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹19,91,936
29 Sept 2026
Absolute gain
+₹4,66,936
+30.6%
XIRR (annualised)
10.48%
money-weighted
The journey, month by month
Worst fall on the way
-13.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,95,842
Modelled at historical FD rates. The fund beat FD by ₹1,96,094.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2022) | ₹3,25,000 | ₹3,39,327 | +4.4% |
| Year 2 (29 Sept 2023) | ₹6,25,000 | ₹7,67,535 | +22.8% |
| Year 3 (30 Sept 2024) | ₹9,25,000 | ₹15,12,869 | +63.6% |
| Year 4 (29 Sept 2025) | ₹12,25,000 | ₹18,37,404 | +50% |
| Year 5 (29 Sept 2026) | ₹15,25,000 | ₹19,91,936 | +30.6% |
Best year of the journey: Year 3 (+41.7% market move) · Toughest year: Year 5 (-6.8%)
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 2021 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.