₹5,000 Monthly SIP in HDFC Focused Fund for 10 Years
If you had started a ₹5,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Focused Fund's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹14,90,527
1 Sept 2026
Absolute gain
+₹8,85,527
+146.4%
XIRR (annualised)
17.27%
money-weighted
The journey, month by month
Worst fall on the way
-37.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹8,39,393
Modelled at historical FD rates. The fund beat FD by ₹6,51,134.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹65,000 | ₹73,018 | +12.3% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,35,127 | +8.1% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹1,75,154 | -5.3% |
| Year 4 (1 Sept 2020) | ₹2,45,000 | ₹2,37,351 | -3.1% |
| Year 5 (1 Sept 2021) | ₹3,05,000 | ₹4,35,232 | +42.7% |
| Year 6 (1 Sept 2022) | ₹3,65,000 | ₹6,03,624 | +65.4% |
| Year 7 (1 Sept 2023) | ₹4,25,000 | ₹8,08,214 | +90.2% |
| Year 8 (2 Sept 2024) | ₹4,85,000 | ₹12,37,372 | +155.1% |
| Year 9 (1 Sept 2025) | ₹5,45,000 | ₹13,86,142 | +154.3% |
| Year 10 (1 Sept 2026) | ₹6,05,000 | ₹14,90,527 | +146.4% |
Best year of the journey: Year 5 (+46.4% market move) · Toughest year: Year 3 (-10.2%)
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 HDFC Focused Fund's published NAV (source: AMFI) between 1 Sept 2016 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.