₹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 3 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
₹9,46,371
1 Oct 2026
Absolute gain
+₹21,371
+2.3%
XIRR (annualised)
1.54%
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
₹10,26,536
Modelled at historical FD rates. The fund trailed FD by ₹80,165.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2024) | ₹3,25,000 | ₹3,82,004 | +17.5% |
| Year 2 (1 Oct 2025) | ₹6,25,000 | ₹6,94,191 | +11.1% |
| Year 3 (1 Oct 2026) | ₹8,75,000 | ₹8,99,286 | +2.8% |
Best year of the journey: Year 1 (+17.5% market move) · Toughest year: Year 3 (-4.8%)
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 3 Oct 2023 and 1 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.