₹25,000 Monthly SIP in HDFC Gold ETF for 5 Years
If you had started a ₹25,000/month SIP on 5 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
₹15,25,000
61 installments
Value today
₹31,07,323
5 Oct 2026
Absolute gain
+₹15,82,323
+103.8%
XIRR (annualised)
29.17%
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
₹17,90,196
Modelled at historical FD rates. The fund beat FD by ₹13,17,127.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹3,25,000 | ₹3,33,879 | +2.7% |
| Year 2 (5 Oct 2023) | ₹6,25,000 | ₹6,59,602 | +5.5% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹12,10,093 | +30.8% |
| Year 4 (6 Oct 2025) | ₹12,25,000 | ₹22,75,591 | +85.8% |
| Year 5 (5 Oct 2026) | ₹15,25,000 | ₹31,07,323 | +103.8% |
Best year of the journey: Year 4 (+50.7% market move) · Toughest year: Year 1 (2.7%)
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 5 Oct 2021 and 5 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.