₹1,000 Monthly SIP in HDFC Large and Mid Cap Fund for 10 Years
If you had started a ₹1,000/month SIP on 6 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Large and Mid Cap Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,72,368
6 Oct 2026
Absolute gain
+₹1,51,368
+125.1%
XIRR (annualised)
15.55%
money-weighted
The journey, month by month
Worst fall on the way
-36.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,908
Modelled at historical FD rates. The fund beat FD by ₹1,04,460.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹13,000 | ₹13,911 | +7% |
| Year 2 (8 Oct 2018) | ₹25,000 | ₹24,695 | -1.2% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹37,507 | +1.4% |
| Year 4 (6 Oct 2020) | ₹49,000 | ₹50,898 | +3.9% |
| Year 5 (6 Oct 2021) | ₹61,000 | ₹1,03,365 | +69.5% |
| Year 6 (6 Oct 2022) | ₹73,000 | ₹1,22,349 | +67.6% |
| Year 7 (6 Oct 2023) | ₹85,000 | ₹1,67,773 | +97.4% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹2,47,616 | +155.3% |
| Year 9 (6 Oct 2025) | ₹1,09,000 | ₹2,66,542 | +144.5% |
| Year 10 (6 Oct 2026) | ₹1,21,000 | ₹2,72,368 | +125.1% |
Best year of the journey: Year 5 (+64.3% market move) · Toughest year: Year 2 (-4.7%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Large and Mid Cap Fund's published NAV (source: AMFI) between 6 Oct 2016 and 6 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.