₹25,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 3 Years
If you had started a ₹25,000/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
₹9,25,000
37 installments
Value today
₹9,59,031
6 Oct 2026
Absolute gain
+₹34,031
+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
₹10,27,465
Modelled at historical FD rates. The fund trailed FD by ₹68,434.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹3,25,000 | ₹3,65,690 | +12.5% |
| Year 2 (6 Oct 2025) | ₹6,25,000 | ₹7,03,240 | +12.5% |
| Year 3 (6 Oct 2026) | ₹8,75,000 | ₹9,11,316 | +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.