₹5,000 Monthly SIP in Kotak Large & Midcap Fund for 5 Years
If you had started a ₹5,000/month SIP on 5 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Large & Midcap Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹4,40,109
3 Jul 2026
Absolute gain
+₹1,35,109
+44.3%
XIRR (annualised)
14.84%
money-weighted
The journey, month by month
Worst fall on the way
-14.2%
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
₹3,56,760
Modelled at historical FD rates. The fund beat FD by ₹83,349.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹65,000 | ₹62,063 | -4.5% |
| Year 2 (3 Jul 2023) | ₹1,25,000 | ₹1,45,911 | +16.7% |
| Year 3 (3 Jul 2024) | ₹1,85,000 | ₹2,91,567 | +57.6% |
| Year 4 (3 Jul 2025) | ₹2,45,000 | ₹3,64,974 | +49% |
| Year 5 (3 Jul 2026) | ₹3,05,000 | ₹4,40,109 | +44.3% |
Best year of the journey: Year 3 (+41.6% market move) · Toughest year: Year 1 (-4.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 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.