₹1,000 Monthly SIP in HDFC NIFTY Next 50 Index Fund for 5 Years
If you had started a ₹1,000/month SIP on 3 Nov 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC NIFTY Next 50 Index Fund's actual NAV for all 59 installments.
You invested
₹59,000
59 installments
Value today
₹81,461
23 Sept 2026
Absolute gain
+₹22,461
+38.1%
XIRR (annualised)
13.21%
money-weighted
The journey, month by month
Worst fall on the way
-20.5%
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
₹69,159
Modelled at historical FD rates. The fund beat FD by ₹12,302.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2022) | ₹11,000 | ₹11,633 | +5.8% |
| Year 2 (25 Sept 2023) | ₹23,000 | ₹25,109 | +9.2% |
| Year 3 (23 Sept 2024) | ₹35,000 | ₹58,490 | +67.1% |
| Year 4 (23 Sept 2025) | ₹47,000 | ₹65,890 | +40.2% |
| Year 5 (23 Sept 2026) | ₹59,000 | ₹81,461 | +38.1% |
Best year of the journey: Year 3 (+57.6% market move) · Toughest year: Year 4 (-6.5%)
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 Next 50 Index Fund's published NAV (source: AMFI) between 3 Nov 2021 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.