What would a monthly SIP in HDFC Flexi Cap Fund have actually grown to? The table below replays a ₹10,000/month SIP on real daily NAV history — no projections, no assumed returns.
| Period | Invested | Current value | Gain | XIRR |
|---|---|---|---|---|
| 10 years | ₹12.00L | ₹28.09L | ₹16.09L | 16.28% |
| 5 years | ₹6.00L | ₹8.30L | ₹2.30L | 13.06% |
| 3 years | ₹3.60L | ₹3.90L | ₹30.23K | 5.39% |
| 1 year | ₹1.20L | ₹1.16L | -₹3.98K | -6.35% |
XIRR is identical for any monthly amount — a ₹5,000 SIP simply halves the invested/value/gain figures above. Computed 2026-10-03 from 3,385 daily NAVs (2013-01-01 → 2026-10-01).
Change the amount, dates or annual step-up — the full simulator runs in your browser on live NAV data.
A ₹10,000 monthly SIP in HDFC Flexi Cap Fund over the last 10 years would have grown to ₹28.09L on an investment of ₹12.00L — an XIRR of 16.28%. For instance, a 1-year SIP ending 2026-10-01 would currently show a paper loss of ₹3.98K — short-term volatility is normal in equity funds.
Advertised returns are point-to-point (lump sum at two dates). SIP XIRR accounts for money going in every month at different NAVs — it's the return your staggered investment actually earned, which is usually lower than the headline number in rising markets and higher in falling ones.
Most Indian equity funds accept ₹500–₹1,000 per month. Confirm the exact minimum in the scheme's SID/KIM before starting.
Yes. A SIP doesn't remove market risk — it only averages your purchase price. Over short periods the value can sit below what you invested, as the 1-year row above sometimes shows.
Daily NAV history published under AMFI, fetched via mfapi.in, replayed with the same engine as our SIP calculator. Figures are a historical illustration, not a prediction.