₹10,000 Monthly SIP in HSBC Business Cycles Fund for 10 Years
If you had started a ₹10,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using HSBC Business Cycles Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹26,89,145
29 Sept 2026
Absolute gain
+₹14,79,145
+122.2%
XIRR (annualised)
15.15%
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
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,86,758
Modelled at historical FD rates. The fund beat FD by ₹10,02,387.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,44,689 | +11.3% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,43,738 | -6.3% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹3,76,197 | +1.7% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹4,80,166 | -2% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹9,29,303 | +52.3% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹10,93,371 | +49.8% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹14,91,461 | +75.5% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹24,92,599 | +157% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹24,97,986 | +129.2% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹26,89,145 | +122.2% |
Best year of the journey: Year 5 (+54.8% market move) · Toughest year: Year 2 (-11.3%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HSBC Business Cycles Fund's published NAV (source: AMFI) between 29 Sept 2016 and 29 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.