₹10,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 3 Years
If you had started a ₹10,000/month SIP on 6 Oct 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,83,613
6 Oct 2026
Absolute gain
+₹13,613
+3.7%
XIRR (annualised)
2.41%
money-weighted
The journey, month by month
Worst fall on the way
-11.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,10,986
Modelled at historical FD rates. The fund trailed FD by ₹27,373.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹1,30,000 | ₹1,46,276 | +12.5% |
| Year 2 (6 Oct 2025) | ₹2,50,000 | ₹2,81,296 | +12.5% |
| Year 3 (6 Oct 2026) | ₹3,50,000 | ₹3,64,527 | +4.2% |
Best year of the journey: Year 1 (+12.5% market move) · Toughest year: Year 3 (-4.4%)
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 6 Oct 2023 and 6 Oct 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.