₹1,000 Monthly SIP in Kotak Large & Midcap Fund for 10 Years
If you had started a ₹1,000/month SIP on 5 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Large & Midcap Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,65,150
5 Oct 2026
Absolute gain
+₹1,44,150
+119.1%
XIRR (annualised)
15.06%
money-weighted
The journey, month by month
Worst fall on the way
-34.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,880
Modelled at historical FD rates. The fund beat FD by ₹97,270.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹13,000 | ₹14,420 | +10.9% |
| Year 2 (5 Oct 2018) | ₹25,000 | ₹24,657 | -1.4% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹39,421 | +6.5% |
| Year 4 (5 Oct 2020) | ₹49,000 | ₹56,966 | +16.3% |
| Year 5 (5 Oct 2021) | ₹61,000 | ₹1,03,990 | +70.5% |
| Year 6 (6 Oct 2022) | ₹73,000 | ₹1,21,935 | +67% |
| Year 7 (5 Oct 2023) | ₹85,000 | ₹1,60,853 | +89.2% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹2,38,685 | +146.1% |
| Year 9 (6 Oct 2025) | ₹1,09,000 | ₹2,60,002 | +138.5% |
| Year 10 (5 Oct 2026) | ₹1,21,000 | ₹2,65,150 | +119.1% |
Best year of the journey: Year 5 (+50.8% market move) · Toughest year: Year 2 (-6.7%)
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 Large & Midcap Fund's published NAV (source: AMFI) between 5 Oct 2016 and 5 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.