₹25,000 Monthly SIP in HSBC Large Cap Fund for 5 Years
If you had started a ₹25,000/month SIP on 7 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
₹15,25,000
61 installments
Value today
₹18,63,645
7 Oct 2026
Absolute gain
+₹3,38,645
+22.2%
XIRR (annualised)
8.03%
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
₹17,90,800
Modelled at historical FD rates. The fund beat FD by ₹72,845.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹3,25,000 | ₹3,28,928 | +1.2% |
| Year 2 (9 Oct 2023) | ₹6,25,000 | ₹7,01,698 | +12.3% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹12,90,665 | +39.5% |
| Year 4 (7 Oct 2025) | ₹12,25,000 | ₹16,05,841 | +31.1% |
| Year 5 (7 Oct 2026) | ₹15,25,000 | ₹18,63,645 | +22.2% |
Best year of the journey: Year 3 (+28.8% market move) · Toughest year: Year 5 (-2.2%)
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 7 Oct 2021 and 7 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.