₹1,000 Monthly SIP in Kotak Contra Fund for 10 Years
If you had started a ₹1,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Contra Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,75,428
1 Oct 2026
Absolute gain
+₹1,54,428
+127.6%
XIRR (annualised)
15.8%
money-weighted
The journey, month by month
Worst fall on the way
-36.1%
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
₹1,67,766
Modelled at historical FD rates. The fund beat FD by ₹1,07,662.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹13,000 | ₹14,605 | +12.3% |
| Year 2 (1 Oct 2018) | ₹25,000 | ₹28,802 | +15.2% |
| Year 3 (1 Oct 2019) | ₹37,000 | ₹42,681 | +15.4% |
| Year 4 (1 Oct 2020) | ₹49,000 | ₹56,692 | +15.7% |
| Year 5 (1 Oct 2021) | ₹61,000 | ₹1,04,760 | +71.7% |
| Year 6 (3 Oct 2022) | ₹73,000 | ₹1,17,300 | +60.7% |
| Year 7 (3 Oct 2023) | ₹85,000 | ₹1,61,980 | +90.6% |
| Year 8 (1 Oct 2024) | ₹97,000 | ₹2,66,233 | +174.5% |
| Year 9 (1 Oct 2025) | ₹1,09,000 | ₹2,70,377 | +148.1% |
| Year 10 (1 Oct 2026) | ₹1,21,000 | ₹2,75,428 | +127.6% |
Best year of the journey: Year 8 (+53% market move) · Toughest year: Year 9 (-2.8%)
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 Value / Contra funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Contra Fund's published NAV (source: AMFI) between 3 Oct 2016 and 1 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.