₹10,000 Monthly SIP in HDFC Value Fund for 10 Years
If you had started a ₹10,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Value Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹27,47,521
3 Sept 2026
Absolute gain
+₹15,37,521
+127.1%
XIRR (annualised)
15.73%
money-weighted
The journey, month by month
Worst fall on the way
-38.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,343
Modelled at historical FD rates. The fund beat FD by ₹10,68,178.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,45,205 | +11.7% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,96,025 | +18.4% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,65,650 | -1.2% |
| Year 4 (3 Sept 2020) | ₹4,90,000 | ₹5,12,140 | +4.5% |
| Year 5 (3 Sept 2021) | ₹6,10,000 | ₹9,57,853 | +57% |
| Year 6 (5 Sept 2022) | ₹7,30,000 | ₹11,25,525 | +54.2% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹14,59,660 | +71.7% |
| Year 8 (3 Sept 2024) | ₹9,70,000 | ₹23,04,215 | +137.5% |
| Year 9 (3 Sept 2025) | ₹10,90,000 | ₹23,92,791 | +119.5% |
| Year 10 (3 Sept 2026) | ₹12,10,000 | ₹27,47,521 | +127.1% |
Best year of the journey: Year 5 (+51.5% market move) · Toughest year: Year 3 (-12.1%)
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 Value / Contra funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Value Fund's published NAV (source: AMFI) between 6 Sept 2016 and 3 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.