₹10,000 Monthly SIP in HDFC Large and Mid Cap Fund for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹27,23,680
6 Oct 2026
Absolute gain
+₹15,13,680
+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
₹16,79,085
Modelled at historical FD rates. The fund beat FD by ₹10,44,595.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹1,30,000 | ₹1,39,113 | +7% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,46,953 | -1.2% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,75,066 | +1.4% |
| Year 4 (6 Oct 2020) | ₹4,90,000 | ₹5,08,979 | +3.9% |
| Year 5 (6 Oct 2021) | ₹6,10,000 | ₹10,33,655 | +69.5% |
| Year 6 (6 Oct 2022) | ₹7,30,000 | ₹12,23,491 | +67.6% |
| Year 7 (6 Oct 2023) | ₹8,50,000 | ₹16,77,731 | +97.4% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹24,76,155 | +155.3% |
| Year 9 (6 Oct 2025) | ₹10,90,000 | ₹26,65,419 | +144.5% |
| Year 10 (6 Oct 2026) | ₹12,10,000 | ₹27,23,680 | +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.