₹2,000 Monthly SIP in Kotak Nifty 50 Index Fund for 5 Years
If you had started a ₹2,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Nifty 50 Index Fund's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,46,887
18 Aug 2026
Absolute gain
+₹24,887
+20.4%
XIRR (annualised)
7.34%
money-weighted
The journey, month by month
Worst fall on the way
-12.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,43,232
Modelled at historical FD rates. The fund beat FD by ₹3,655.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹26,000 | ₹27,541 | +5.9% |
| Year 2 (18 Aug 2023) | ₹50,000 | ₹55,549 | +11.1% |
| Year 3 (19 Aug 2024) | ₹74,000 | ₹98,691 | +33.4% |
| Year 4 (18 Aug 2025) | ₹98,000 | ₹1,25,645 | +28.2% |
| Year 5 (18 Aug 2026) | ₹1,22,000 | ₹1,46,887 | +20.4% |
Best year of the journey: Year 3 (+24.1% market move) · Toughest year: Year 5 (-1.8%)
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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Same SIP in other Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Nifty 50 Index Fund's published NAV (source: AMFI) between 18 Aug 2021 and 18 Aug 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.