₹10,000 Monthly SIP in HDFC Focused Fund 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 Focused Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹28,35,364
29 Sept 2026
Absolute gain
+₹16,25,364
+134.3%
XIRR (annualised)
16.12%
money-weighted
The journey, month by month
Worst fall on the way
-37.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
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 ₹11,48,606.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,42,725 | +9.8% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,65,045 | +1.9% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹3,84,179 | +3.8% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹4,52,762 | -7.6% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹9,03,798 | +48.2% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹11,90,609 | +63.1% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹16,27,234 | +91.4% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹25,58,957 | +163.8% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹27,84,251 | +155.4% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹28,35,364 | +134.3% |
Best year of the journey: Year 5 (+57.8% market move) · Toughest year: Year 4 (-10.2%)
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 Focused 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.