₹10,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail for 15 Years
If you had started a ₹10,000/month SIP on 23 May 2011 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹28,56,483
21 May 2026
Absolute gain
+₹10,46,483
+57.8%
XIRR (annualised)
5.81%
money-weighted
The journey, month by month
Worst fall on the way
-0.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹33,89,068
Modelled at historical FD rates. The fund trailed FD by ₹5,32,585.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 May 2012) | ₹1,30,000 | ₹1,36,223 | +4.8% |
| Year 2 (21 May 2013) | ₹2,50,000 | ₹2,71,710 | +8.7% |
| Year 3 (21 May 2014) | ₹3,70,000 | ₹4,19,476 | +13.4% |
| Year 4 (21 May 2015) | ₹4,90,000 | ₹5,77,632 | +17.9% |
| Year 5 (23 May 2016) | ₹6,10,000 | ₹7,38,887 | +21.1% |
| Year 6 (22 May 2017) | ₹7,30,000 | ₹9,07,516 | +24.3% |
| Year 7 (21 May 2018) | ₹8,50,000 | ₹10,78,060 | +26.8% |
| Year 8 (21 May 2019) | ₹9,70,000 | ₹12,65,881 | +30.5% |
| Year 9 (21 May 2020) | ₹10,90,000 | ₹14,58,334 | +33.8% |
| Year 10 (21 May 2021) | ₹12,10,000 | ₹16,22,937 | +34.1% |
| Year 11 (23 May 2022) | ₹13,30,000 | ₹18,02,394 | +35.5% |
| Year 12 (22 May 2023) | ₹14,50,000 | ₹20,17,570 | +39.1% |
| Year 13 (21 May 2024) | ₹15,70,000 | ₹22,92,478 | +46% |
| Year 14 (21 May 2025) | ₹16,90,000 | ₹25,80,227 | +52.7% |
| Year 15 (21 May 2026) | ₹18,10,000 | ₹28,56,483 | +57.8% |
Best year of the journey: Year 13 (+7.2% market move) · Toughest year: Year 10 (2.8%)
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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Same SIP in other Arbitrage funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC ARBITRAGE FUND - Retail's published NAV (source: AMFI) between 23 May 2011 and 21 May 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.