₹5,000 Monthly SIP in Kotak Nifty 50 Index Fund for 3 Years
If you had started a ₹5,000/month SIP on 18 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Nifty 50 Index Fund's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,95,178
18 Aug 2026
Absolute gain
+₹10,178
+5.5%
XIRR (annualised)
3.5%
money-weighted
The journey, month by month
Worst fall on the way
-11.4%
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
₹2,06,011
Modelled at historical FD rates. The fund trailed FD by ₹10,833.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹65,000 | ₹74,966 | +15.3% |
| Year 2 (18 Aug 2025) | ₹1,25,000 | ₹1,38,680 | +10.9% |
| Year 3 (18 Aug 2026) | ₹1,85,000 | ₹1,95,178 | +5.5% |
Best year of the journey: Year 1 (+15.3% market move) · Toughest year: Year 3 (-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 2023 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.