₹2,000 Monthly SIP in HDFC NIFTY 50 ETF for 5 Years
If you had started a ₹2,000/month SIP on 21 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC NIFTY 50 ETF's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,42,126
21 Sept 2026
Absolute gain
+₹20,126
+16.5%
XIRR (annualised)
6.01%
money-weighted
The journey, month by month
Worst fall on the way
-12.7%
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
₹1,43,470
Modelled at historical FD rates. The fund trailed FD by ₹1,344.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2022) | ₹26,000 | ₹27,004 | +3.9% |
| Year 2 (21 Sept 2023) | ₹50,000 | ₹56,501 | +13% |
| Year 3 (23 Sept 2024) | ₹74,000 | ₹1,03,403 | +39.7% |
| Year 4 (22 Sept 2025) | ₹98,000 | ₹1,26,905 | +29.5% |
| Year 5 (21 Sept 2026) | ₹1,22,000 | ₹1,42,126 | +16.5% |
Best year of the journey: Year 3 (+28.4% market move) · Toughest year: Year 5 (-5.8%)
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 50 ETF's published NAV (source: AMFI) between 21 Sept 2021 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.