₹25,000 Monthly SIP in HDFC Low Duration Fund- Wholesale Monthly Dividend for 10 Years
If you had started a ₹25,000/month SIP on 11 May 2009 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Low Duration Fund- Wholesale Monthly Dividend's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹30,52,518
10 May 2019
Absolute gain
+₹27,518
+0.9%
XIRR (annualised)
0.18%
money-weighted
The journey, month by month
Worst fall on the way
-1.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹45,73,251
Modelled at historical FD rates. The fund trailed FD by ₹15,20,733.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 May 2010) | ₹3,25,000 | ₹3,25,353 | +0.1% |
| Year 2 (10 May 2011) | ₹6,25,000 | ₹6,26,688 | +0.3% |
| Year 3 (10 May 2012) | ₹9,25,000 | ₹9,26,488 | +0.2% |
| Year 4 (10 May 2013) | ₹12,25,000 | ₹12,27,556 | +0.2% |
| Year 5 (12 May 2014) | ₹15,25,000 | ₹15,28,653 | +0.2% |
| Year 6 (11 May 2015) | ₹18,25,000 | ₹18,26,603 | +0.1% |
| Year 7 (10 May 2016) | ₹21,25,000 | ₹21,30,170 | +0.2% |
| Year 8 (11 May 2017) | ₹24,25,000 | ₹24,52,926 | +1.2% |
| Year 9 (10 May 2018) | ₹27,25,000 | ₹27,46,016 | +0.8% |
| Year 10 (10 May 2019) | ₹30,25,000 | ₹30,52,518 | +0.9% |
Best year of the journey: Year 8 (+0.9% market move) · Toughest year: Year 9 (-0.3%)
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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Same SIP in other Low Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Low Duration Fund- Wholesale Monthly Dividend's published NAV (source: AMFI) between 11 May 2009 and 10 May 2019; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.