₹10,000 Monthly SIP in Kotak Business Cycle for 3 Years
If you had started a ₹10,000/month SIP on 25 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
₹3,70,000
37 installments
Value today
₹4,50,794
23 Sept 2026
Absolute gain
+₹80,794
+21.8%
XIRR (annualised)
13.09%
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
₹4,12,425
Modelled at historical FD rates. The fund beat FD by ₹38,369.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2024) | ₹1,30,000 | ₹1,68,980 | +30% |
| Year 2 (23 Sept 2025) | ₹2,50,000 | ₹3,01,794 | +20.7% |
| Year 3 (23 Sept 2026) | ₹3,70,000 | ₹4,50,794 | +21.8% |
Best year of the journey: Year 1 (+30% market move) · Toughest year: Year 2 (4.4%)
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 25 Sept 2023 and 23 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.