₹5,000 Monthly SIP in Kotak Infrastructure & Economic Reform Fund for 10 Years
If you had started a ₹5,000/month SIP on 3 Oct 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
₹6,05,000
121 installments
Value today
₹15,89,447
1 Oct 2026
Absolute gain
+₹9,84,447
+162.7%
XIRR (annualised)
18.47%
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
₹8,38,830
Modelled at historical FD rates. The fund beat FD by ₹7,50,617.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹65,000 | ₹73,036 | +12.4% |
| Year 2 (1 Oct 2018) | ₹1,25,000 | ₹1,15,348 | -7.7% |
| Year 3 (1 Oct 2019) | ₹1,85,000 | ₹1,87,931 | +1.6% |
| Year 4 (1 Oct 2020) | ₹2,45,000 | ₹2,27,939 | -7% |
| Year 5 (1 Oct 2021) | ₹3,05,000 | ₹5,07,144 | +66.3% |
| Year 6 (3 Oct 2022) | ₹3,65,000 | ₹6,36,751 | +74.5% |
| Year 7 (3 Oct 2023) | ₹4,25,000 | ₹9,06,810 | +113.4% |
| Year 8 (1 Oct 2024) | ₹4,85,000 | ₹15,22,836 | +214% |
| Year 9 (1 Oct 2025) | ₹5,45,000 | ₹14,34,848 | +163.3% |
| Year 10 (1 Oct 2026) | ₹6,05,000 | ₹15,89,447 | +162.7% |
Best year of the journey: Year 5 (+76.1% market move) · Toughest year: Year 2 (-13.3%)
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 Infrastructure & Economic Reform Fund's published NAV (source: AMFI) between 3 Oct 2016 and 1 Oct 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.