₹1,000 Monthly SIP in Kotak BSE Sensex ETF for 15 Years
If you had started a ₹1,000/month SIP on 30 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using Kotak BSE Sensex ETF's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹4,12,912
30 Sept 2026
Absolute gain
+₹2,31,912
+128.1%
XIRR (annualised)
10.21%
money-weighted
The journey, month by month
Worst fall on the way
-37.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
10
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,995
Modelled at historical FD rates. The fund beat FD by ₹75,917.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹14,000 | ₹15,625 | +11.6% |
| Year 2 (30 Sept 2013) | ₹25,000 | ₹26,600 | +6.4% |
| Year 3 (30 Sept 2014) | ₹37,000 | ₹51,291 | +38.6% |
| Year 4 (30 Sept 2015) | ₹49,000 | ₹61,159 | +24.8% |
| Year 5 (30 Sept 2016) | ₹61,000 | ₹78,864 | +29.3% |
| Year 6 (3 Oct 2017) | ₹74,000 | ₹1,01,617 | +37.3% |
| Year 7 (1 Oct 2018) | ₹86,000 | ₹1,31,384 | +52.8% |
| Year 8 (30 Sept 2019) | ₹97,000 | ₹1,52,036 | +56.7% |
| Year 9 (30 Sept 2020) | ₹1,09,000 | ₹1,63,444 | +49.9% |
| Year 10 (30 Sept 2021) | ₹1,21,000 | ₹2,70,501 | +123.6% |
| Year 11 (30 Sept 2022) | ₹1,33,000 | ₹2,77,430 | +108.6% |
| Year 12 (3 Oct 2023) | ₹1,46,000 | ₹3,33,618 | +128.5% |
| Year 13 (30 Sept 2024) | ₹1,57,000 | ₹4,45,958 | +184% |
| Year 14 (30 Sept 2025) | ₹1,69,000 | ₹4,41,170 | +161% |
| Year 15 (30 Sept 2026) | ₹1,81,000 | ₹4,12,912 | +128.1% |
Best year of the journey: Year 10 (+54.2% market move) · Toughest year: Year 15 (-8.9%)
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 Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak BSE Sensex ETF's published NAV (source: AMFI) between 30 Sept 2011 and 30 Sept 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.