₹25,000 Monthly SIP in Kotak Large & Midcap Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹66,28,748
5 Oct 2026
Absolute gain
+₹36,03,748
+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
₹41,97,003
Modelled at historical FD rates. The fund beat FD by ₹24,31,745.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹3,25,000 | ₹3,60,491 | +10.9% |
| Year 2 (5 Oct 2018) | ₹6,25,000 | ₹6,16,434 | -1.4% |
| Year 3 (7 Oct 2019) | ₹9,25,000 | ₹9,85,520 | +6.5% |
| Year 4 (5 Oct 2020) | ₹12,25,000 | ₹14,24,151 | +16.3% |
| Year 5 (5 Oct 2021) | ₹15,25,000 | ₹25,99,759 | +70.5% |
| Year 6 (6 Oct 2022) | ₹18,25,000 | ₹30,48,367 | +67% |
| Year 7 (5 Oct 2023) | ₹21,25,000 | ₹40,21,331 | +89.2% |
| Year 8 (7 Oct 2024) | ₹24,25,000 | ₹59,67,116 | +146.1% |
| Year 9 (6 Oct 2025) | ₹27,25,000 | ₹65,00,045 | +138.5% |
| Year 10 (5 Oct 2026) | ₹30,25,000 | ₹66,28,748 | +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.