₹1,000 Monthly SIP in HDFC Large Cap Fund for 10 Years
If you had started a ₹1,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Large Cap Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,18,292
1 Oct 2026
Absolute gain
+₹97,292
+80.4%
XIRR (annualised)
11.43%
money-weighted
The journey, month by month
Worst fall on the way
-36.4%
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
₹1,67,766
Modelled at historical FD rates. The fund beat FD by ₹50,526.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹13,000 | ₹14,012 | +7.8% |
| Year 2 (1 Oct 2018) | ₹25,000 | ₹27,627 | +10.5% |
| Year 3 (1 Oct 2019) | ₹37,000 | ₹40,097 | +8.4% |
| Year 4 (1 Oct 2020) | ₹49,000 | ₹48,701 | -0.6% |
| Year 5 (1 Oct 2021) | ₹61,000 | ₹93,460 | +53.2% |
| Year 6 (3 Oct 2022) | ₹73,000 | ₹1,06,957 | +46.5% |
| Year 7 (3 Oct 2023) | ₹85,000 | ₹1,47,124 | +73.1% |
| Year 8 (1 Oct 2024) | ₹97,000 | ₹2,18,481 | +125.2% |
| Year 9 (1 Oct 2025) | ₹1,09,000 | ₹2,20,510 | +102.3% |
| Year 10 (1 Oct 2026) | ₹1,21,000 | ₹2,18,292 | +80.4% |
Best year of the journey: Year 5 (+54% market move) · Toughest year: Year 4 (-6.5%)
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 Cap Fund's published NAV (source: AMFI) between 3 Oct 2016 and 1 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.