₹10,000 Monthly SIP in Kotak Flexicap Fund for 10 Years
If you had started a ₹10,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Flexicap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹23,31,962
29 Sept 2026
Absolute gain
+₹11,21,962
+92.7%
XIRR (annualised)
12.51%
money-weighted
The journey, month by month
Worst fall on the way
-35.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,86,758
Modelled at historical FD rates. The fund beat FD by ₹6,45,204.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,45,211 | +11.7% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,83,307 | +9% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹4,25,574 | +15% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹5,45,239 | +11.3% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹9,87,597 | +61.9% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹10,84,389 | +48.5% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹14,52,978 | +70.9% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹21,52,102 | +121.9% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹22,67,527 | +108% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹23,31,962 | +92.7% |
Best year of the journey: Year 5 (+48.5% market move) · Toughest year: Year 10 (-2.3%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Flexicap Fund's published NAV (source: AMFI) between 29 Sept 2016 and 29 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.