₹5,000 Monthly SIP in HDFC ELSS Tax saver for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹12,31,443
29 Sept 2026
Absolute gain
+₹6,26,443
+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
₹8,43,379
Modelled at historical FD rates. The fund beat FD by ₹3,88,064.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹65,000 | ₹71,139 | +9.4% |
| Year 2 (1 Oct 2018) | ₹1,30,000 | ₹1,37,977 | +6.1% |
| Year 3 (30 Sept 2019) | ₹1,85,000 | ₹1,90,039 | +2.7% |
| Year 4 (29 Sept 2020) | ₹2,45,000 | ₹2,35,378 | -3.9% |
| Year 5 (29 Sept 2021) | ₹3,05,000 | ₹4,55,048 | +49.2% |
| Year 6 (29 Sept 2022) | ₹3,65,000 | ₹5,44,758 | +49.2% |
| Year 7 (29 Sept 2023) | ₹4,25,000 | ₹7,51,570 | +76.8% |
| Year 8 (30 Sept 2024) | ₹4,85,000 | ₹11,92,557 | +145.9% |
| Year 9 (29 Sept 2025) | ₹5,45,000 | ₹12,62,946 | +131.7% |
| Year 10 (29 Sept 2026) | ₹6,05,000 | ₹12,31,443 | +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.
Try a different amount
Try a different duration
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.