₹10,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 5 Years
If you had started a ₹10,000/month SIP on 24 Sept 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,63,366
24 Sept 2026
Absolute gain
+₹1,53,366
+25.1%
XIRR (annualised)
8.84%
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
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,17,563
Modelled at historical FD rates. The fund beat FD by ₹45,803.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2022) | ₹1,30,000 | ₹1,29,573 | -0.3% |
| Year 2 (25 Sept 2023) | ₹2,50,000 | ₹2,87,924 | +15.2% |
| Year 3 (24 Sept 2024) | ₹3,70,000 | ₹5,41,974 | +46.5% |
| Year 4 (24 Sept 2025) | ₹4,90,000 | ₹6,67,018 | +36.1% |
| Year 5 (24 Sept 2026) | ₹5,90,000 | ₹7,44,050 | +26.1% |
Best year of the journey: Year 3 (+32.9% market move) · Toughest year: Year 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.
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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 24 Sept 2021 and 24 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.