₹5,000 Monthly SIP in Kotak Bond Short Term Plan-(Payout of Income Distribution cum capital withdrawal option) for 5 Years
If you had started a ₹5,000/month SIP on 19 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Bond Short Term Plan-(Payout of Income Distribution cum capital withdrawal option)'s actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,02,275
17 Sept 2021
Absolute gain
₹-2,725
-0.9%
XIRR (annualised)
-0.35%
money-weighted
The journey, month by month
Worst fall on the way
-3.8%
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
₹3,60,305
Modelled at historical FD rates. The fund trailed FD by ₹58,030.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹65,000 | ₹64,882 | -0.2% |
| Year 2 (17 Sept 2018) | ₹1,25,000 | ₹1,24,385 | -0.5% |
| Year 3 (17 Sept 2019) | ₹1,85,000 | ₹1,83,867 | -0.6% |
| Year 4 (17 Sept 2020) | ₹2,45,000 | ₹2,45,769 | +0.3% |
| Year 5 (17 Sept 2021) | ₹3,05,000 | ₹3,02,275 | -0.9% |
Best year of the journey: Year 4 (+0.8% market move) · Toughest year: Year 5 (-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.
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Same SIP in other Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Bond Short Term Plan-(Payout of Income Distribution cum capital withdrawal option)'s published NAV (source: AMFI) between 19 Sept 2016 and 17 Sept 2021; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.