₹25,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 10 Years
If you had started a ₹25,000/month SIP on 6 Oct 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
₹30,25,000
121 installments
Value today
₹50,96,916
6 Oct 2026
Absolute gain
+₹20,71,916
+68.5%
XIRR (annualised)
10.11%
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
₹41,97,325
Modelled at historical FD rates. The fund beat FD by ₹8,99,591.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹3,25,000 | ₹3,40,287 | +4.7% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹5,73,414 | -8.3% |
| Year 3 (7 Oct 2019) | ₹9,25,000 | ₹8,85,974 | -4.2% |
| Year 4 (6 Oct 2020) | ₹12,25,000 | ₹11,86,646 | -3.1% |
| Year 5 (6 Oct 2021) | ₹15,25,000 | ₹21,17,460 | +38.8% |
| Year 6 (6 Oct 2022) | ₹18,25,000 | ₹24,27,871 | +33% |
| Year 7 (6 Oct 2023) | ₹21,25,000 | ₹31,63,486 | +48.9% |
| Year 8 (7 Oct 2024) | ₹24,25,000 | ₹44,93,074 | +85.3% |
| Year 9 (6 Oct 2025) | ₹27,25,000 | ₹50,37,695 | +84.9% |
| Year 10 (6 Oct 2026) | ₹29,75,000 | ₹50,49,201 | +69.7% |
Best year of the journey: Year 5 (+42.4% market move) · Toughest year: Year 2 (-10.4%)
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 2016 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.