₹25,000 Monthly SIP in HDFC Infrastructure Fund for 5 Years
If you had started a ₹25,000/month SIP on 30 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Infrastructure Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹22,49,864
30 Sept 2026
Absolute gain
+₹7,24,864
+47.5%
XIRR (annualised)
15.31%
money-weighted
The journey, month by month
Worst fall on the way
-16.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,96,152
Modelled at historical FD rates. The fund beat FD by ₹4,53,712.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2022) | ₹3,25,000 | ₹3,54,314 | +9% |
| Year 2 (3 Oct 2023) | ₹6,50,000 | ₹9,31,251 | +43.3% |
| Year 3 (30 Sept 2024) | ₹9,25,000 | ₹17,86,847 | +93.2% |
| Year 4 (30 Sept 2025) | ₹12,25,000 | ₹20,18,135 | +64.7% |
| Year 5 (30 Sept 2026) | ₹15,25,000 | ₹22,49,864 | +47.5% |
Best year of the journey: Year 3 (+48.1% market move) · Toughest year: Year 4 (-3.3%)
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 Infrastructure Fund's published NAV (source: AMFI) between 30 Sept 2021 and 30 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.