₹25,000 Monthly SIP in HSBC Large Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 4 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using HSBC Large Cap Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹58,24,280
3 Jul 2026
Absolute gain
+₹27,99,280
+92.5%
XIRR (annualised)
12.65%
money-weighted
The journey, month by month
Worst fall on the way
-34.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,02,506
Modelled at historical FD rates. The fund beat FD by ₹16,21,774.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹3,25,000 | ₹3,60,723 | +11% |
| Year 2 (3 Jul 2018) | ₹6,25,000 | ₹6,99,022 | +11.8% |
| Year 3 (3 Jul 2019) | ₹9,25,000 | ₹10,75,750 | +16.3% |
| Year 4 (3 Jul 2020) | ₹12,25,000 | ₹13,04,673 | +6.5% |
| Year 5 (5 Jul 2021) | ₹15,25,000 | ₹22,81,354 | +49.6% |
| Year 6 (4 Jul 2022) | ₹18,25,000 | ₹25,01,227 | +37.1% |
| Year 7 (3 Jul 2023) | ₹21,25,000 | ₹34,37,820 | +61.8% |
| Year 8 (3 Jul 2024) | ₹24,25,000 | ₹49,80,883 | +105.4% |
| Year 9 (3 Jul 2025) | ₹27,25,000 | ₹54,59,395 | +100.3% |
| Year 10 (3 Jul 2026) | ₹30,25,000 | ₹58,24,280 | +92.5% |
Best year of the journey: Year 5 (+42.2% market move) · Toughest year: Year 4 (-5.2%)
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 4 Jul 2016 and 3 Jul 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.