₹5,000 Monthly SIP in HDFC Large and Mid Cap Fund for 5 Years
If you had started a ₹5,000/month SIP on 6 Oct 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
₹3,05,000
61 installments
Value today
₹4,07,665
6 Oct 2026
Absolute gain
+₹1,02,665
+33.7%
XIRR (annualised)
11.66%
money-weighted
The journey, month by month
Worst fall on the way
-13%
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
₹3,58,098
Modelled at historical FD rates. The fund beat FD by ₹49,567.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹65,000 | ₹68,753 | +5.8% |
| Year 2 (6 Oct 2023) | ₹1,25,000 | ₹1,56,006 | +24.8% |
| Year 3 (7 Oct 2024) | ₹1,85,000 | ₹2,85,706 | +54.4% |
| Year 4 (6 Oct 2025) | ₹2,45,000 | ₹3,56,519 | +45.5% |
| Year 5 (6 Oct 2026) | ₹3,05,000 | ₹4,07,665 | +33.7% |
Best year of the journey: Year 3 (+32.3% market move) · Toughest year: Year 5 (-2.1%)
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 6 Oct 2021 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.