₹1,000 Monthly SIP in Kotak Nifty PSU Bank ETF for 5 Years
If you had started a ₹1,000/month SIP on 9 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Nifty PSU Bank ETF's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹1,12,989
9 Jul 2026
Absolute gain
+₹51,989
+85.2%
XIRR (annualised)
25.07%
money-weighted
The journey, month by month
Worst fall on the way
-21.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
11
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,426
Modelled at historical FD rates. The fund beat FD by ₹41,563.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Jul 2022) | ₹13,000 | ₹13,465 | +3.6% |
| Year 2 (10 Jul 2023) | ₹25,000 | ₹37,193 | +48.8% |
| Year 3 (9 Jul 2024) | ₹37,000 | ₹76,558 | +106.9% |
| Year 4 (9 Jul 2025) | ₹49,000 | ₹86,942 | +77.4% |
| Year 5 (9 Jul 2026) | ₹61,000 | ₹1,12,989 | +85.2% |
Best year of the journey: Year 3 (+55.6% market move) · Toughest year: Year 4 (-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.
Try a different amount
Try a different duration
Same SIP in other similar funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Nifty PSU Bank ETF's published NAV (source: AMFI) between 9 Jul 2021 and 9 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.