₹5,000 Monthly SIP in HDFC ARBITRAGE FUND - Retail for 5 Years
If you had started a ₹5,000/month SIP on 21 May 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC ARBITRAGE FUND - Retail's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,58,384
21 May 2026
Absolute gain
+₹53,384
+17.5%
XIRR (annualised)
6.36%
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
₹3,57,147
Modelled at historical FD rates. The fund beat FD by ₹1,237.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 May 2022) | ₹65,000 | ₹66,201 | +1.8% |
| Year 2 (22 May 2023) | ₹1,25,000 | ₹1,31,324 | +5.1% |
| Year 3 (21 May 2024) | ₹1,85,000 | ₹2,03,401 | +9.9% |
| Year 4 (21 May 2025) | ₹2,45,000 | ₹2,80,015 | +14.3% |
| Year 5 (21 May 2026) | ₹3,05,000 | ₹3,58,384 | +17.5% |
Best year of the journey: Year 4 (+6.3% market move) · Toughest year: Year 1 (1.8%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 21 May 2021 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.