₹25,000 Monthly SIP in HDFC Large Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 19 Sept 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
₹30,25,000
121 installments
Value today
₹57,22,185
17 Sept 2026
Absolute gain
+₹26,97,185
+89.2%
XIRR (annualised)
12.23%
money-weighted
The journey, month by month
Worst fall on the way
-36.5%
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
₹42,08,324
Modelled at historical FD rates. The fund beat FD by ₹15,13,861.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹3,25,000 | ₹3,67,827 | +13.2% |
| Year 2 (17 Sept 2018) | ₹6,25,000 | ₹7,18,660 | +15% |
| Year 3 (17 Sept 2019) | ₹9,25,000 | ₹9,81,638 | +6.1% |
| Year 4 (17 Sept 2020) | ₹12,25,000 | ₹12,51,950 | +2.2% |
| Year 5 (17 Sept 2021) | ₹15,25,000 | ₹23,34,107 | +53.1% |
| Year 6 (19 Sept 2022) | ₹18,25,000 | ₹28,18,867 | +54.5% |
| Year 7 (18 Sept 2023) | ₹21,25,000 | ₹37,87,282 | +78.2% |
| Year 8 (17 Sept 2024) | ₹24,25,000 | ₹54,65,467 | +125.4% |
| Year 9 (17 Sept 2025) | ₹27,25,000 | ₹56,61,848 | +107.8% |
| Year 10 (17 Sept 2026) | ₹30,25,000 | ₹57,22,185 | +89.2% |
Best year of the journey: Year 5 (+50.4% market move) · Toughest year: Year 10 (-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 Cap Fund's published NAV (source: AMFI) between 19 Sept 2016 and 17 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.