₹10,000 Monthly SIP in Kotak Flexicap Fund for 5 Years
If you had started a ₹10,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Flexicap Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹8,23,124
18 Aug 2026
Absolute gain
+₹2,13,124
+34.9%
XIRR (annualised)
11.9%
money-weighted
The journey, month by month
Worst fall on the way
-13%
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
₹7,16,159
Modelled at historical FD rates. The fund beat FD by ₹1,06,965.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,30,000 | ₹1,37,445 | +5.7% |
| Year 2 (18 Aug 2023) | ₹2,50,000 | ₹2,83,448 | +13.4% |
| Year 3 (19 Aug 2024) | ₹3,70,000 | ₹5,31,862 | +43.7% |
| Year 4 (18 Aug 2025) | ₹4,90,000 | ₹6,83,203 | +39.4% |
| Year 5 (18 Aug 2026) | ₹6,10,000 | ₹8,23,124 | +34.9% |
Best year of the journey: Year 3 (+31.8% market move) · Toughest year: Year 5 (2.5%)
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's published NAV (source: AMFI) between 18 Aug 2021 and 18 Aug 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.