₹25,000 Monthly SIP in Kotak Infrastructure & Economic Reform Fund for 5 Years
If you had started a ₹25,000/month SIP on 5 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Infrastructure & Economic Reform Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹24,07,734
3 Jul 2026
Absolute gain
+₹8,82,734
+57.9%
XIRR (annualised)
18.55%
money-weighted
The journey, month by month
Worst fall on the way
-23.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,83,801
Modelled at historical FD rates. The fund beat FD by ₹6,23,933.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹3,25,000 | ₹3,26,578 | +0.5% |
| Year 2 (3 Jul 2023) | ₹6,25,000 | ₹7,98,349 | +27.7% |
| Year 3 (3 Jul 2024) | ₹9,25,000 | ₹17,55,859 | +89.8% |
| Year 4 (3 Jul 2025) | ₹12,25,000 | ₹19,69,288 | +60.8% |
| Year 5 (3 Jul 2026) | ₹15,25,000 | ₹24,07,734 | +57.9% |
Best year of the journey: Year 3 (+59.9% market move) · Toughest year: Year 4 (-4.2%)
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 5 Jul 2021 and 3 Jul 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.