₹10,000 Monthly SIP in HSBC Large Cap Fund for 5 Years
If you had started a ₹10,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using HSBC Large Cap Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,89,132
18 Aug 2026
Absolute gain
+₹1,79,132
+29.4%
XIRR (annualised)
10.21%
money-weighted
The journey, month by month
Worst fall on the way
-12.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,159
Modelled at historical FD rates. The fund beat FD by ₹72,973.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,30,000 | ₹1,37,114 | +5.5% |
| Year 2 (18 Aug 2023) | ₹2,50,000 | ₹2,80,156 | +12.1% |
| Year 3 (19 Aug 2024) | ₹3,70,000 | ₹5,26,794 | +42.4% |
| Year 4 (18 Aug 2025) | ₹4,90,000 | ₹6,48,119 | +32.3% |
| Year 5 (18 Aug 2026) | ₹6,10,000 | ₹7,89,132 | +29.4% |
Best year of the journey: Year 3 (+31.6% market move) · Toughest year: Year 4 (0.2%)
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 Cap Fund's published NAV (source: AMFI) between 18 Aug 2021 and 18 Aug 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.