₹10,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 10 Years
If you had started a ₹10,000/month SIP on 12 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
₹12,10,000
121 installments
Value today
₹21,09,672
11 Sept 2026
Absolute gain
+₹8,99,672
+74.4%
XIRR (annualised)
10.73%
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
₹16,81,471
Modelled at historical FD rates. The fund beat FD by ₹4,28,201.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹1,30,000 | ₹1,48,127 | +13.9% |
| Year 2 (11 Sept 2018) | ₹2,50,000 | ₹2,71,259 | +8.5% |
| Year 3 (11 Sept 2019) | ₹3,70,000 | ₹3,72,319 | +0.6% |
| Year 4 (11 Sept 2020) | ₹4,90,000 | ₹4,87,245 | -0.6% |
| Year 5 (13 Sept 2021) | ₹6,10,000 | ₹8,52,826 | +39.8% |
| Year 6 (12 Sept 2022) | ₹7,30,000 | ₹10,15,958 | +39.2% |
| Year 7 (11 Sept 2023) | ₹8,50,000 | ₹12,96,349 | +52.5% |
| Year 8 (11 Sept 2024) | ₹9,70,000 | ₹18,37,458 | +89.4% |
| Year 9 (11 Sept 2025) | ₹10,90,000 | ₹20,06,575 | +84.1% |
| Year 10 (11 Sept 2026) | ₹11,90,000 | ₹20,90,048 | +75.6% |
Best year of the journey: Year 5 (+40.4% market move) · Toughest year: Year 3 (-4.8%)
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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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 12 Sept 2016 and 11 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.