₹2,000 Monthly SIP in HDFC Gold ETF for 5 Years
If you had started a ₹2,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Gold ETF's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹2,49,133
1 Oct 2026
Absolute gain
+₹1,27,133
+104.2%
XIRR (annualised)
29.38%
money-weighted
The journey, month by month
Worst fall on the way
-21%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,43,117
Modelled at historical FD rates. The fund beat FD by ₹1,06,016.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹26,000 | ₹25,996 | +0% |
| Year 2 (3 Oct 2023) | ₹50,000 | ₹52,884 | +5.8% |
| Year 3 (1 Oct 2024) | ₹74,000 | ₹96,554 | +30.5% |
| Year 4 (1 Oct 2025) | ₹98,000 | ₹1,79,260 | +82.9% |
| Year 5 (1 Oct 2026) | ₹1,22,000 | ₹2,49,133 | +104.2% |
Best year of the journey: Year 4 (+48.7% market move) · Toughest year: Year 1 (0%)
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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Same SIP in other Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Gold ETF's published NAV (source: AMFI) between 1 Oct 2021 and 1 Oct 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.