₹2,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail for 10 Years
If you had started a ₹2,000/month SIP on 23 May 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹3,22,969
21 May 2026
Absolute gain
+₹80,969
+33.5%
XIRR (annualised)
5.62%
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
₹3,37,607
Modelled at historical FD rates. The fund trailed FD by ₹14,638.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 May 2017) | ₹26,000 | ₹26,823 | +3.2% |
| Year 2 (21 May 2018) | ₹50,000 | ₹52,840 | +5.7% |
| Year 3 (21 May 2019) | ₹74,000 | ₹80,722 | +9.1% |
| Year 4 (21 May 2020) | ₹98,000 | ₹1,09,769 | +12% |
| Year 5 (21 May 2021) | ₹1,22,000 | ₹1,37,396 | +12.6% |
| Year 6 (23 May 2022) | ₹1,46,000 | ₹1,66,665 | +14.2% |
| Year 7 (22 May 2023) | ₹1,70,000 | ₹1,99,844 | +17.6% |
| Year 8 (21 May 2024) | ₹1,94,000 | ₹2,39,651 | +23.5% |
| Year 9 (21 May 2025) | ₹2,18,000 | ₹2,81,589 | +29.2% |
| Year 10 (21 May 2026) | ₹2,42,000 | ₹3,22,969 | +33.5% |
Best year of the journey: Year 8 (+7.1% market move) · Toughest year: Year 5 (2.7%)
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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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 2016 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.