₹25,000 Monthly SIP in HDFC Value Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹68,68,803
3 Sept 2026
Absolute gain
+₹38,43,803
+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
₹41,98,359
Modelled at historical FD rates. The fund beat FD by ₹26,70,444.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,63,012 | +11.7% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹7,40,062 | +18.4% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,14,125 | -1.2% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹12,80,351 | +4.5% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹23,94,632 | +57% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹28,13,812 | +54.2% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹36,49,151 | +71.7% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹57,60,538 | +137.5% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹59,81,978 | +119.5% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹68,68,803 | +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.