₹25,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 15 Years
If you had started a ₹25,000/month SIP on 19 Sept 2011 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 181 installments.
You invested
₹45,25,000
181 installments
Value today
₹1,08,62,391
18 Sept 2026
Absolute gain
+₹63,37,391
+140.1%
XIRR (annualised)
10.85%
money-weighted
The journey, month by month
Worst fall on the way
-36.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
9
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹84,04,892
Modelled at historical FD rates. The fund beat FD by ₹24,57,499.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹3,25,000 | ₹3,59,406 | +10.6% |
| Year 2 (18 Sept 2013) | ₹6,25,000 | ₹6,81,492 | +9% |
| Year 3 (18 Sept 2014) | ₹9,25,000 | ₹14,79,218 | +59.9% |
| Year 4 (18 Sept 2015) | ₹12,25,000 | ₹18,89,856 | +54.3% |
| Year 5 (19 Sept 2016) | ₹15,25,000 | ₹24,35,113 | +59.7% |
| Year 6 (18 Sept 2017) | ₹18,25,000 | ₹31,44,775 | +72.3% |
| Year 7 (18 Sept 2018) | ₹21,25,000 | ₹33,83,434 | +59.2% |
| Year 8 (18 Sept 2019) | ₹24,25,000 | ₹34,35,772 | +41.7% |
| Year 9 (18 Sept 2020) | ₹27,25,000 | ₹37,27,631 | +36.8% |
| Year 10 (20 Sept 2021) | ₹30,25,000 | ₹56,69,855 | +87.4% |
| Year 11 (19 Sept 2022) | ₹33,25,000 | ₹61,23,799 | +84.2% |
| Year 12 (18 Sept 2023) | ₹36,25,000 | ₹74,70,590 | +106.1% |
| Year 13 (18 Sept 2024) | ₹39,25,000 | ₹1,03,36,944 | +163.4% |
| Year 14 (18 Sept 2025) | ₹42,25,000 | ₹1,09,44,916 | +159.1% |
| Year 15 (18 Sept 2026) | ₹44,75,000 | ₹1,08,13,653 | +141.6% |
Best year of the journey: Year 3 (+50.7% market move) · Toughest year: Year 8 (-6.7%)
Wealth Time Machine
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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 19 Sept 2011 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.