₹10,000 Monthly SIP in HSBC Large Cap Fund for 5 Years
If you had started a ₹10,000/month SIP on 8 Oct 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
₹7,32,457
8 Oct 2026
Absolute gain
+₹1,22,457
+20.1%
XIRR (annualised)
7.31%
money-weighted
The journey, month by month
Worst fall on the way
-12.5%
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
₹7,16,444
Modelled at historical FD rates. The fund beat FD by ₹16,013.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2022) | ₹1,30,000 | ₹1,30,858 | +0.7% |
| Year 2 (9 Oct 2023) | ₹2,50,000 | ₹2,80,625 | +12.3% |
| Year 3 (8 Oct 2024) | ₹3,70,000 | ₹5,24,882 | +41.9% |
| Year 4 (8 Oct 2025) | ₹4,90,000 | ₹6,40,883 | +30.8% |
| Year 5 (8 Oct 2026) | ₹6,10,000 | ₹7,32,457 | +20.1% |
Best year of the journey: Year 3 (+31% market move) · Toughest year: Year 5 (-3.7%)
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 Large 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.