₹5,000 Monthly SIP in HDFC Focused Fund for 5 Years
If you had started a ₹5,000/month SIP on 5 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Focused Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹4,63,026
3 Jul 2026
Absolute gain
+₹1,58,026
+51.8%
XIRR (annualised)
16.95%
money-weighted
The journey, month by month
Worst fall on the way
-13%
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
₹3,56,684
Modelled at historical FD rates. The fund beat FD by ₹1,06,342.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹65,000 | ₹66,434 | +2.2% |
| Year 2 (3 Jul 2023) | ₹1,25,000 | ₹1,53,952 | +23.2% |
| Year 3 (3 Jul 2024) | ₹1,85,000 | ₹2,98,928 | +61.6% |
| Year 4 (3 Jul 2025) | ₹2,45,000 | ₹3,93,756 | +60.7% |
| Year 5 (3 Jul 2026) | ₹2,95,000 | ₹4,52,954 | +53.5% |
Best year of the journey: Year 3 (+39.7% market move) · Toughest year: Year 5 (2.1%)
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 5 Jul 2021 and 3 Jul 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.