₹25,000 Monthly SIP in HDFC Value Fund for 5 Years
If you had started a ₹25,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using HDFC Value Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹22,26,112
1 Sept 2026
Absolute gain
+₹7,01,112
+46%
XIRR (annualised)
15.33%
money-weighted
The journey, month by month
Worst fall on the way
-12.4%
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
₹17,87,193
Modelled at historical FD rates. The fund beat FD by ₹4,38,919.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹3,25,000 | ₹3,33,770 | +2.7% |
| Year 2 (1 Sept 2023) | ₹6,25,000 | ₹7,26,464 | +16.2% |
| Year 3 (2 Sept 2024) | ₹9,25,000 | ₹14,45,304 | +56.2% |
| Year 4 (1 Sept 2025) | ₹12,25,000 | ₹17,26,023 | +40.9% |
| Year 5 (1 Sept 2026) | ₹15,25,000 | ₹22,26,112 | +46% |
Best year of the journey: Year 3 (+40.8% market move) · Toughest year: Year 4 (-1.1%)
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 Value / Contra funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using HDFC Value 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.