₹5,000 Monthly SIP in HDFC NIFTY 100 ETF for 3 Years
If you had started a ₹5,000/month SIP on 21 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using HDFC NIFTY 100 ETF's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,91,416
21 Sept 2026
Absolute gain
+₹6,416
+3.5%
XIRR (annualised)
2.21%
money-weighted
The journey, month by month
Worst fall on the way
-11.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,06,144
Modelled at historical FD rates. The fund trailed FD by ₹14,728.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2024) | ₹65,000 | ₹78,989 | +21.5% |
| Year 2 (22 Sept 2025) | ₹1,25,000 | ₹1,39,528 | +11.6% |
| Year 3 (21 Sept 2026) | ₹1,85,000 | ₹1,91,416 | +3.5% |
Best year of the journey: Year 1 (+21.5% market move) · Toughest year: Year 3 (-4.1%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Same SIP in other Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC NIFTY 100 ETF's published NAV (source: AMFI) between 21 Sept 2023 and 21 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.