₹10,000 Monthly SIP in Kotak Contra Fund for 10 Years
If you had started a ₹10,000/month SIP on 26 Sept 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
₹12,10,000
121 installments
Value today
₹28,73,542
25 Sept 2026
Absolute gain
+₹16,63,542
+137.5%
XIRR (annualised)
16.4%
money-weighted
The journey, month by month
Worst fall on the way
-36.2%
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
₹16,85,613
Modelled at historical FD rates. The fund beat FD by ₹11,87,929.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹1,30,000 | ₹1,47,626 | +13.6% |
| Year 2 (25 Sept 2018) | ₹2,50,000 | ₹2,94,389 | +17.8% |
| Year 3 (25 Sept 2019) | ₹3,70,000 | ₹4,32,429 | +16.9% |
| Year 4 (25 Sept 2020) | ₹4,90,000 | ₹5,53,785 | +13% |
| Year 5 (27 Sept 2021) | ₹6,10,000 | ₹10,71,601 | +75.7% |
| Year 6 (26 Sept 2022) | ₹7,30,000 | ₹11,86,483 | +62.5% |
| Year 7 (25 Sept 2023) | ₹8,50,000 | ₹16,33,378 | +92.2% |
| Year 8 (25 Sept 2024) | ₹9,70,000 | ₹27,04,371 | +178.8% |
| Year 9 (25 Sept 2025) | ₹10,90,000 | ₹27,34,699 | +150.9% |
| Year 10 (25 Sept 2026) | ₹12,10,000 | ₹28,73,542 | +137.5% |
Best year of the journey: Year 5 (+59% market move) · Toughest year: Year 9 (-3.2%)
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 26 Sept 2016 and 25 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.