₹1,000 Monthly SIP in HDFC Large and Mid Cap Fund for 3 Years
If you had started a ₹1,000/month SIP on 29 Sept 2023 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 37 installments.
You invested
₹37,000
37 installments
Value today
₹39,535
29 Sept 2026
Absolute gain
+₹2,535
+6.9%
XIRR (annualised)
4.26%
money-weighted
The journey, month by month
Worst fall on the way
-11.6%
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
₹41,287
Modelled at historical FD rates. The fund trailed FD by ₹1,752.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹13,000 | ₹16,187 | +24.5% |
| Year 2 (29 Sept 2025) | ₹25,000 | ₹27,942 | +11.8% |
| Year 3 (29 Sept 2026) | ₹37,000 | ₹39,535 | +6.9% |
Best year of the journey: Year 1 (+24.5% market move) · Toughest year: Year 3 (-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 Large and Mid Cap Fund's published NAV (source: AMFI) between 29 Sept 2023 and 29 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.