₹5,000 Monthly SIP in HDFC NIFTY 100 Index Fund for 3 Years
If you had started a ₹5,000/month SIP on 25 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using HDFC NIFTY 100 Index Fund's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,91,700
23 Sept 2026
Absolute gain
+₹6,700
+3.6%
XIRR (annualised)
2.3%
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
₹2,06,212
Modelled at historical FD rates. The fund trailed FD by ₹14,512.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2024) | ₹65,000 | ₹78,942 | +21.4% |
| Year 2 (23 Sept 2025) | ₹1,25,000 | ₹1,39,197 | +11.4% |
| Year 3 (23 Sept 2026) | ₹1,85,000 | ₹1,91,700 | +3.6% |
Best year of the journey: Year 1 (+21.4% market move) · Toughest year: Year 3 (-3.8%)
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 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 Index Fund's published NAV (source: AMFI) between 25 Sept 2023 and 23 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.