₹5,000 Monthly SIP in Kotak Large & Midcap Fund for 3 Years
If you had started a ₹5,000/month SIP on 3 Jul 2023 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Large & Midcap Fund's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,15,746
3 Jul 2026
Absolute gain
+₹30,746
+16.6%
XIRR (annualised)
10.49%
money-weighted
The journey, month by month
Worst fall on the way
-11.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,05,438
Modelled at historical FD rates. The fund beat FD by ₹10,308.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2024) | ₹65,000 | ₹82,125 | +26.3% |
| Year 2 (3 Jul 2025) | ₹1,25,000 | ₹1,48,330 | +18.7% |
| Year 3 (3 Jul 2026) | ₹1,85,000 | ₹2,15,746 | +16.6% |
Best year of the journey: Year 1 (+26.3% market move) · Toughest year: Year 3 (3.6%)
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 3 Jul 2023 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.