₹25,000 Monthly SIP in Kotak Contra Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹71,83,856
25 Sept 2026
Absolute gain
+₹41,58,856
+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
₹42,14,033
Modelled at historical FD rates. The fund beat FD by ₹29,69,823.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹3,25,000 | ₹3,69,065 | +13.6% |
| Year 2 (25 Sept 2018) | ₹6,25,000 | ₹7,35,972 | +17.8% |
| Year 3 (25 Sept 2019) | ₹9,25,000 | ₹10,81,074 | +16.9% |
| Year 4 (25 Sept 2020) | ₹12,25,000 | ₹13,84,463 | +13% |
| Year 5 (27 Sept 2021) | ₹15,25,000 | ₹26,79,003 | +75.7% |
| Year 6 (26 Sept 2022) | ₹18,25,000 | ₹29,66,207 | +62.5% |
| Year 7 (25 Sept 2023) | ₹21,25,000 | ₹40,83,446 | +92.2% |
| Year 8 (25 Sept 2024) | ₹24,25,000 | ₹67,60,926 | +178.8% |
| Year 9 (25 Sept 2025) | ₹27,25,000 | ₹68,36,748 | +150.9% |
| Year 10 (25 Sept 2026) | ₹30,25,000 | ₹71,83,856 | +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.