₹25,000 Monthly SIP in HDFC Large and Mid Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 30 Sept 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
₹30,25,000
121 installments
Value today
₹68,42,144
30 Sept 2026
Absolute gain
+₹38,17,144
+126.2%
XIRR (annualised)
15.46%
money-weighted
The journey, month by month
Worst fall on the way
-37%
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
₹42,17,608
Modelled at historical FD rates. The fund beat FD by ₹26,24,536.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,50,000 | ₹3,72,474 | +6.4% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹6,86,257 | +5.6% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹9,70,258 | +4.9% |
| Year 4 (30 Sept 2020) | ₹12,25,000 | ₹12,51,489 | +2.2% |
| Year 5 (30 Sept 2021) | ₹15,25,000 | ₹25,95,989 | +70.2% |
| Year 6 (30 Sept 2022) | ₹18,25,000 | ₹30,30,029 | +66% |
| Year 7 (3 Oct 2023) | ₹21,50,000 | ₹42,68,462 | +98.5% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹65,57,967 | +170.4% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹66,01,629 | +142.3% |
| Year 10 (30 Sept 2026) | ₹30,25,000 | ₹68,42,144 | +126.2% |
Best year of the journey: Year 5 (+67.3% market move) · Toughest year: Year 9 (-3.7%)
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 30 Sept 2016 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.