₹5,000 Monthly SIP in Kotak BSE Sensex ETF for 10 Years
If you had started a ₹5,000/month SIP on 5 Oct 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
₹6,05,000
121 installments
Value today
₹9,71,454
5 Oct 2026
Absolute gain
+₹3,66,454
+60.6%
XIRR (annualised)
9.2%
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
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹8,39,404
Modelled at historical FD rates. The fund beat FD by ₹1,32,050.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹65,000 | ₹69,311 | +6.6% |
| Year 2 (5 Oct 2018) | ₹1,25,000 | ₹1,35,251 | +8.2% |
| Year 3 (7 Oct 2019) | ₹1,85,000 | ₹2,09,733 | +13.4% |
| Year 4 (5 Oct 2020) | ₹2,45,000 | ₹2,83,845 | +15.9% |
| Year 5 (5 Oct 2021) | ₹3,05,000 | ₹5,10,682 | +67.4% |
| Year 6 (6 Oct 2022) | ₹3,65,000 | ₹5,63,868 | +54.5% |
| Year 7 (5 Oct 2023) | ₹4,25,000 | ₹7,05,631 | +66% |
| Year 8 (7 Oct 2024) | ₹4,85,000 | ₹9,45,078 | +94.9% |
| Year 9 (6 Oct 2025) | ₹5,45,000 | ₹10,25,902 | +88.2% |
| Year 10 (5 Oct 2026) | ₹6,05,000 | ₹9,71,454 | +60.6% |
Best year of the journey: Year 5 (+48.5% market move) · Toughest year: Year 10 (-10.5%)
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 5 Oct 2016 and 5 Oct 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.