₹1,000 Monthly SIP in Kotak Business Cycle for 3 Years
If you had started a ₹1,000/month SIP on 21 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Business Cycle's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹44,504
21 Sept 2026
Absolute gain
+₹7,504
+20.3%
XIRR (annualised)
12.25%
money-weighted
The journey, month by month
Worst fall on the way
-11.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,228
Modelled at historical FD rates. The fund beat FD by ₹3,276.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2024) | ₹13,000 | ₹16,897 | +30% |
| Year 2 (22 Sept 2025) | ₹25,000 | ₹30,315 | +21.3% |
| Year 3 (21 Sept 2026) | ₹37,000 | ₹44,504 | +20.3% |
Best year of the journey: Year 1 (+30% market move) · Toughest year: Year 2 (4.9%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Business Cycle's published NAV (source: AMFI) between 21 Sept 2023 and 21 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.