₹5,000 Monthly SIP in Franklin India Small Cap Fund for 3 Years
If you had started a ₹5,000/month SIP on 3 Jul 2023 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Small Cap Fund's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,11,470
3 Jul 2026
Absolute gain
+₹26,470
+14.3%
XIRR (annualised)
9.1%
money-weighted
The journey, month by month
Worst fall on the way
-17.3%
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
₹2,05,438
Modelled at historical FD rates. The fund beat FD by ₹6,032.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2024) | ₹65,000 | ₹84,906 | +30.6% |
| Year 2 (3 Jul 2025) | ₹1,25,000 | ₹1,44,991 | +16% |
| Year 3 (3 Jul 2026) | ₹1,85,000 | ₹2,11,470 | +14.3% |
Best year of the journey: Year 1 (+30.6% market move) · Toughest year: Year 2 (0.1%)
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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Same SIP in other Small Cap funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Franklin India Small Cap Fund's published NAV (source: AMFI) between 3 Jul 2023 and 3 Jul 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.