₹5,000 Monthly SIP in HDFC Multi Cap Fund for 5 Years
If you had started a ₹5,000/month SIP on 10 Dec 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Multi Cap Fund's actual NAV for all 57 installments.
You invested
₹2,85,000
57 installments
Value today
₹3,95,000
18 Aug 2026
Absolute gain
+₹1,10,000
+38.6%
XIRR (annualised)
13.95%
money-weighted
The journey, month by month
Worst fall on the way
-14.6%
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
₹3,32,181
Modelled at historical FD rates. The fund beat FD by ₹62,819.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹45,000 | ₹48,786 | +8.4% |
| Year 2 (18 Aug 2023) | ₹1,05,000 | ₹1,32,038 | +25.8% |
| Year 3 (19 Aug 2024) | ₹1,65,000 | ₹2,66,934 | +61.8% |
| Year 4 (18 Aug 2025) | ₹2,25,000 | ₹3,26,136 | +44.9% |
| Year 5 (18 Aug 2026) | ₹2,85,000 | ₹3,95,000 | +38.6% |
Best year of the journey: Year 3 (+39% market move) · Toughest year: Year 4 (-0.2%)
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 Multi Cap funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Multi Cap Fund's published NAV (source: AMFI) between 10 Dec 2021 and 18 Aug 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.