₹25,000 Monthly SIP in Kotak BSE Sensex ETF for 10 Years
If you had started a ₹25,000/month SIP on 28 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak BSE Sensex ETF's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹49,26,976
28 Sept 2026
Absolute gain
+₹19,01,976
+62.9%
XIRR (annualised)
9.37%
money-weighted
The journey, month by month
Worst fall on the way
-36%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,16,196
Modelled at historical FD rates. The fund beat FD by ₹7,10,780.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹3,25,000 | ₹3,45,577 | +6.3% |
| Year 2 (28 Sept 2018) | ₹6,25,000 | ₹7,19,497 | +15.1% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹10,89,704 | +17.8% |
| Year 4 (28 Sept 2020) | ₹12,25,000 | ₹13,92,836 | +13.7% |
| Year 5 (28 Sept 2021) | ₹15,25,000 | ₹25,78,435 | +69.1% |
| Year 6 (28 Sept 2022) | ₹18,25,000 | ₹27,67,000 | +51.6% |
| Year 7 (28 Sept 2023) | ₹21,25,000 | ₹35,57,264 | +67.4% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹49,68,476 | +104.9% |
| Year 9 (29 Sept 2025) | ₹27,25,000 | ₹50,90,634 | +86.8% |
| Year 10 (28 Sept 2026) | ₹30,25,000 | ₹49,26,976 | +62.9% |
Best year of the journey: Year 5 (+52.3% market move) · Toughest year: Year 10 (-8.6%)
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 28 Sept 2016 and 28 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.