₹25,000 Monthly SIP in Kotak Focused Fund for 5 Years
If you had started a ₹25,000/month SIP on 28 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Focused Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹20,68,352
28 Sept 2026
Absolute gain
+₹5,43,352
+35.6%
XIRR (annualised)
11.98%
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
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,95,532
Modelled at historical FD rates. The fund beat FD by ₹2,72,820.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2022) | ₹3,25,000 | ₹3,25,539 | +0.2% |
| Year 2 (29 Sept 2023) | ₹6,25,000 | ₹7,09,428 | +13.5% |
| Year 3 (30 Sept 2024) | ₹9,25,000 | ₹13,80,642 | +49.3% |
| Year 4 (29 Sept 2025) | ₹12,25,000 | ₹16,85,424 | +37.6% |
| Year 5 (28 Sept 2026) | ₹15,25,000 | ₹20,68,352 | +35.6% |
Best year of the journey: Year 3 (+36.8% market move) · Toughest year: Year 1 (0.2%)
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 Focused Fund's published NAV (source: AMFI) between 28 Sept 2021 and 28 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.