₹5,000 Monthly SIP in Kotak Flexicap Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹11,65,981
29 Sept 2026
Absolute gain
+₹5,60,981
+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
₹8,43,379
Modelled at historical FD rates. The fund beat FD by ₹3,22,602.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹65,000 | ₹72,605 | +11.7% |
| Year 2 (1 Oct 2018) | ₹1,30,000 | ₹1,41,653 | +9% |
| Year 3 (30 Sept 2019) | ₹1,85,000 | ₹2,12,787 | +15% |
| Year 4 (29 Sept 2020) | ₹2,45,000 | ₹2,72,619 | +11.3% |
| Year 5 (29 Sept 2021) | ₹3,05,000 | ₹4,93,798 | +61.9% |
| Year 6 (29 Sept 2022) | ₹3,65,000 | ₹5,42,195 | +48.5% |
| Year 7 (29 Sept 2023) | ₹4,25,000 | ₹7,26,489 | +70.9% |
| Year 8 (30 Sept 2024) | ₹4,85,000 | ₹10,76,051 | +121.9% |
| Year 9 (29 Sept 2025) | ₹5,45,000 | ₹11,33,764 | +108% |
| Year 10 (29 Sept 2026) | ₹6,05,000 | ₹11,65,981 | +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.
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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 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.