₹10,000 Monthly SIP in Kotak Bond-Deposit for 3 Years
If you had started a ₹10,000/month SIP on 21 Oct 2013 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Bond-Deposit's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,19,433
21 Oct 2016
Absolute gain
+₹49,433
+13.4%
XIRR (annualised)
8.24%
money-weighted
The journey, month by month
Worst fall on the way
-5.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,19,021
Modelled at historical FD rates. The fund beat FD by ₹412.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Oct 2014) | ₹1,30,000 | ₹1,30,310 | +0.2% |
| Year 2 (21 Oct 2015) | ₹2,50,000 | ₹2,59,755 | +3.9% |
| Year 3 (21 Oct 2016) | ₹3,70,000 | ₹4,19,433 | +13.4% |
Best year of the journey: Year 3 (+10.4% market move) · Toughest year: Year 1 (0.2%)
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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Same SIP in other Medium to Long Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Bond-Deposit's published NAV (source: AMFI) between 21 Oct 2013 and 21 Oct 2016; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.