₹1,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 10 Years
If you had started a ₹1,000/month SIP on 19 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,09,550
18 Sept 2026
Absolute gain
+₹88,550
+73.2%
XIRR (annualised)
10.57%
money-weighted
The journey, month by month
Worst fall on the way
-35.7%
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
₹1,68,346
Modelled at historical FD rates. The fund beat FD by ₹41,204.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹13,000 | ₹14,901 | +14.6% |
| Year 2 (18 Sept 2018) | ₹25,000 | ₹26,888 | +7.6% |
| Year 3 (18 Sept 2019) | ₹37,000 | ₹36,837 | -0.4% |
| Year 4 (18 Sept 2020) | ₹49,000 | ₹49,289 | +0.6% |
| Year 5 (20 Sept 2021) | ₹61,000 | ₹84,693 | +38.8% |
| Year 6 (19 Sept 2022) | ₹73,000 | ₹99,337 | +36.1% |
| Year 7 (18 Sept 2023) | ₹85,000 | ₹1,29,227 | +52% |
| Year 8 (18 Sept 2024) | ₹97,000 | ₹1,86,816 | +92.6% |
| Year 9 (18 Sept 2025) | ₹1,09,000 | ₹2,04,866 | +88% |
| Year 10 (18 Sept 2026) | ₹1,19,000 | ₹2,07,601 | +74.5% |
Best year of the journey: Year 5 (+38.2% market move) · Toughest year: Year 3 (-5.3%)
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
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 19 Sept 2016 and 18 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.