₹25,000 Monthly SIP in Kotak Flexicap Fund - Payout of Income Distribution cum capital withdrawal option for 5 Years
If you had started a ₹25,000/month SIP on 13 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
₹15,25,000
61 installments
Value today
₹19,39,120
11 Sept 2026
Absolute gain
+₹4,14,120
+27.2%
XIRR (annualised)
9.6%
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
₹17,89,882
Modelled at historical FD rates. The fund beat FD by ₹1,49,238.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹3,25,000 | ₹3,46,832 | +6.7% |
| Year 2 (11 Sept 2023) | ₹6,25,000 | ₹7,35,494 | +17.7% |
| Year 3 (11 Sept 2024) | ₹9,25,000 | ₹13,10,603 | +41.7% |
| Year 4 (11 Sept 2025) | ₹12,25,000 | ₹16,56,684 | +35.2% |
| Year 5 (11 Sept 2026) | ₹14,75,000 | ₹18,90,058 | +28.1% |
Best year of the journey: Year 3 (+26.6% market move) · Toughest year: Year 5 (-0.9%)
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 13 Sept 2021 and 11 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.