₹25,000 Monthly SIP in HSBC Large & Mid Cap Fund for 5 Years
If you had started a ₹25,000/month SIP on 8 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using HSBC Large & Mid Cap Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹21,84,760
8 Oct 2026
Absolute gain
+₹6,59,760
+43.3%
XIRR (annualised)
14.46%
money-weighted
The journey, month by month
Worst fall on the way
-22.5%
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
₹17,91,110
Modelled at historical FD rates. The fund beat FD by ₹3,93,650.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2022) | ₹3,25,000 | ₹3,26,479 | +0.5% |
| Year 2 (9 Oct 2023) | ₹6,25,000 | ₹7,38,544 | +18.2% |
| Year 3 (8 Oct 2024) | ₹9,25,000 | ₹14,69,093 | +58.8% |
| Year 4 (8 Oct 2025) | ₹12,25,000 | ₹17,95,967 | +46.6% |
| Year 5 (8 Oct 2026) | ₹15,25,000 | ₹21,84,760 | +43.3% |
Best year of the journey: Year 3 (+41.5% market move) · Toughest year: Year 1 (0.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HSBC Large & Mid Cap Fund's published NAV (source: AMFI) between 8 Oct 2021 and 8 Oct 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.