₹25,000 Monthly SIP in HSBC Balanced Advantage Fund for 10 Years
If you had started a ₹25,000/month SIP on 22 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using HSBC Balanced Advantage Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹49,60,913
22 Sept 2026
Absolute gain
+₹19,35,913
+64%
XIRR (annualised)
9.52%
money-weighted
The journey, month by month
Worst fall on the way
-17.2%
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
₹42,11,903
Modelled at historical FD rates. The fund beat FD by ₹7,49,010.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Sept 2017) | ₹3,25,000 | ₹3,39,018 | +4.3% |
| Year 2 (24 Sept 2018) | ₹6,25,000 | ₹6,71,566 | +7.5% |
| Year 3 (23 Sept 2019) | ₹9,25,000 | ₹10,27,568 | +11.1% |
| Year 4 (22 Sept 2020) | ₹12,25,000 | ₹14,57,766 | +19% |
| Year 5 (22 Sept 2021) | ₹15,25,000 | ₹20,50,611 | +34.5% |
| Year 6 (22 Sept 2022) | ₹18,25,000 | ₹23,83,953 | +30.6% |
| Year 7 (22 Sept 2023) | ₹21,25,000 | ₹30,01,142 | +41.2% |
| Year 8 (23 Sept 2024) | ₹24,25,000 | ₹41,28,334 | +70.2% |
| Year 9 (22 Sept 2025) | ₹27,25,000 | ₹45,67,273 | +67.6% |
| Year 10 (22 Sept 2026) | ₹30,25,000 | ₹49,60,913 | +64% |
Best year of the journey: Year 8 (+25.1% market move) · Toughest year: Year 6 (1.4%)
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 Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HSBC Balanced Advantage Fund's published NAV (source: AMFI) between 22 Sept 2016 and 22 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.