₹2,000 Monthly SIP in Kotak Infrastructure & Economic Reform Fund for 10 Years
If you had started a ₹2,000/month SIP on 28 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Infrastructure & Economic Reform Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹6,48,977
28 Sept 2026
Absolute gain
+₹4,06,977
+168.2%
XIRR (annualised)
18.62%
money-weighted
The journey, month by month
Worst fall on the way
-38.7%
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
₹3,37,295
Modelled at historical FD rates. The fund beat FD by ₹3,11,682.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹26,000 | ₹29,214 | +12.4% |
| Year 2 (28 Sept 2018) | ₹50,000 | ₹46,453 | -7.1% |
| Year 3 (30 Sept 2019) | ₹74,000 | ₹76,335 | +3.2% |
| Year 4 (28 Sept 2020) | ₹98,000 | ₹90,461 | -7.7% |
| Year 5 (28 Sept 2021) | ₹1,22,000 | ₹2,03,558 | +66.9% |
| Year 6 (28 Sept 2022) | ₹1,46,000 | ₹2,54,217 | +74.1% |
| Year 7 (29 Sept 2023) | ₹1,70,000 | ₹3,65,573 | +115% |
| Year 8 (30 Sept 2024) | ₹1,94,000 | ₹6,12,891 | +215.9% |
| Year 9 (29 Sept 2025) | ₹2,18,000 | ₹5,76,079 | +164.3% |
| Year 10 (28 Sept 2026) | ₹2,42,000 | ₹6,48,977 | +168.2% |
Best year of the journey: Year 5 (+77.8% market move) · Toughest year: Year 2 (-12.7%)
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 Infrastructure & Economic Reform Fund's published NAV (source: AMFI) between 28 Sept 2016 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.