₹10,000 Monthly SIP in Kotak Bond-Deposit for 5 Years
If you had started a ₹10,000/month SIP on 21 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Bond-Deposit's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,85,642
21 Oct 2016
Absolute gain
+₹75,642
+12.4%
XIRR (annualised)
4.6%
money-weighted
The journey, month by month
Worst fall on the way
-6.3%
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
₹7,60,038
Modelled at historical FD rates. The fund trailed FD by ₹74,396.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Oct 2012) | ₹1,30,000 | ₹1,30,819 | +0.6% |
| Year 2 (21 Oct 2013) | ₹2,50,000 | ₹2,38,115 | -4.8% |
| Year 3 (21 Oct 2014) | ₹3,70,000 | ₹3,57,641 | -3.3% |
| Year 4 (21 Oct 2015) | ₹4,90,000 | ₹4,98,568 | +1.7% |
| Year 5 (21 Oct 2016) | ₹6,10,000 | ₹6,85,642 | +12.4% |
Best year of the journey: Year 5 (+10.8% market move) · Toughest year: Year 2 (-5.1%)
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 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 2011 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.