₹5,000 Monthly SIP in HDFC Flexi Cap Fund 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 Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹14,49,089
29 Sept 2026
Absolute gain
+₹8,44,089
+139.5%
XIRR (annualised)
16.53%
money-weighted
The journey, month by month
Worst fall on the way
-37.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
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 ₹6,05,710.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹65,000 | ₹70,695 | +8.8% |
| Year 2 (1 Oct 2018) | ₹1,30,000 | ₹1,41,833 | +9.1% |
| Year 3 (30 Sept 2019) | ₹1,85,000 | ₹2,02,710 | +9.6% |
| Year 4 (29 Sept 2020) | ₹2,45,000 | ₹2,36,479 | -3.5% |
| Year 5 (29 Sept 2021) | ₹3,05,000 | ₹4,96,962 | +62.9% |
| Year 6 (29 Sept 2022) | ₹3,65,000 | ₹5,97,255 | +63.6% |
| Year 7 (29 Sept 2023) | ₹4,25,000 | ₹8,30,653 | +95.4% |
| Year 8 (30 Sept 2024) | ₹4,85,000 | ₹12,95,747 | +167.2% |
| Year 9 (29 Sept 2025) | ₹5,45,000 | ₹14,02,713 | +157.4% |
| Year 10 (29 Sept 2026) | ₹6,05,000 | ₹14,49,089 | +139.5% |
Best year of the journey: Year 5 (+67.6% market move) · Toughest year: Year 4 (-10%)
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 Flexi Cap Fund'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.