₹25,000 Monthly SIP in Kotak Contra Fund for 5 Years
If you had started a ₹25,000/month SIP on 27 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Contra Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹21,30,032
25 Sept 2026
Absolute gain
+₹6,05,032
+39.7%
XIRR (annualised)
13.19%
money-weighted
The journey, month by month
Worst fall on the way
-13.1%
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
₹17,94,594
Modelled at historical FD rates. The fund beat FD by ₹3,35,438.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2022) | ₹3,25,000 | ₹3,28,694 | +1.1% |
| Year 2 (25 Sept 2023) | ₹6,25,000 | ₹7,56,236 | +21% |
| Year 3 (25 Sept 2024) | ₹9,25,000 | ₹15,59,258 | +68.6% |
| Year 4 (25 Sept 2025) | ₹12,25,000 | ₹18,18,897 | +48.5% |
| Year 5 (25 Sept 2026) | ₹15,25,000 | ₹21,30,032 | +39.7% |
Best year of the journey: Year 3 (+47.6% market move) · Toughest year: Year 4 (-2.2%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 27 Sept 2021 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.