₹2,000 Monthly SIP in HDFC Large and Mid Cap Fund for 5 Years
If you had started a ₹2,000/month SIP on 5 Jul 2021 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 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,76,289
3 Jul 2026
Absolute gain
+₹54,289
+44.5%
XIRR (annualised)
14.92%
money-weighted
The journey, month by month
Worst fall on the way
-13.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,42,674
Modelled at historical FD rates. The fund beat FD by ₹33,615.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹26,000 | ₹24,969 | -4% |
| Year 2 (3 Jul 2023) | ₹50,000 | ₹59,603 | +19.2% |
| Year 3 (3 Jul 2024) | ₹74,000 | ₹1,18,363 | +60% |
| Year 4 (3 Jul 2025) | ₹98,000 | ₹1,49,677 | +52.7% |
| Year 5 (3 Jul 2026) | ₹1,18,000 | ₹1,72,234 | +46% |
Best year of the journey: Year 3 (+41.6% market move) · Toughest year: Year 1 (-4%)
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 5 Jul 2021 and 3 Jul 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.