₹10,000 Monthly SIP in HDFC Flexi Cap Fund for 5 Years
If you had started a ₹10,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Flexi Cap Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹9,11,688
1 Sept 2026
Absolute gain
+₹3,01,688
+49.5%
XIRR (annualised)
16.3%
money-weighted
The journey, month by month
Worst fall on the way
-12.2%
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
₹7,14,877
Modelled at historical FD rates. The fund beat FD by ₹1,96,811.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹1,30,000 | ₹1,42,103 | +9.3% |
| Year 2 (1 Sept 2023) | ₹2,50,000 | ₹3,09,609 | +23.8% |
| Year 3 (2 Sept 2024) | ₹3,70,000 | ₹5,90,877 | +59.7% |
| Year 4 (1 Sept 2025) | ₹4,90,000 | ₹7,48,440 | +52.7% |
| Year 5 (1 Sept 2026) | ₹6,10,000 | ₹9,11,688 | +49.5% |
Best year of the journey: Year 3 (+37.5% market move) · Toughest year: Year 5 (5%)
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 HDFC Flexi Cap Fund's published NAV (source: AMFI) between 1 Sept 2021 and 1 Sept 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.