₹25,000 Monthly SIP in Kotak Nifty PSU Bank ETF for 20 Years
If you had started a ₹25,000/month SIP on 9 Nov 2007 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Nifty PSU Bank ETF's actual NAV for all 225 installments.
You invested
₹56,25,000
225 installments
Value today
₹1,50,65,051
9 Jul 2026
Absolute gain
+₹94,40,051
+167.8%
XIRR (annualised)
9.67%
money-weighted
The journey, month by month
Worst fall on the way
-66.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
25
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,25,35,275
Modelled at historical FD rates. The fund beat FD by ₹25,29,776.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Nov 2007) | ₹25,000 | ₹25,000 | +0% |
| Year 2 (9 Jul 2008) | ₹2,25,000 | ₹1,63,506 | -27.3% |
| Year 3 (9 Jul 2009) | ₹5,25,000 | ₹6,14,476 | +17% |
| Year 4 (9 Jul 2010) | ₹8,25,000 | ₹13,06,452 | +58.4% |
| Year 5 (11 Jul 2011) | ₹11,25,000 | ₹16,83,192 | +49.6% |
| Year 6 (9 Jul 2012) | ₹14,25,000 | ₹17,40,702 | +22.2% |
| Year 7 (9 Jul 2013) | ₹17,25,000 | ₹16,20,198 | -6.1% |
| Year 8 (9 Jul 2014) | ₹20,25,000 | ₹26,56,659 | +31.2% |
| Year 9 (9 Jul 2015) | ₹23,25,000 | ₹26,27,980 | +13% |
| Year 10 (11 Jul 2016) | ₹26,25,000 | ₹25,97,512 | -1% |
| Year 11 (10 Jul 2017) | ₹29,25,000 | ₹33,96,842 | +16.1% |
| Year 12 (9 Jul 2018) | ₹32,25,000 | ₹30,02,095 | -6.9% |
| Year 13 (9 Jul 2019) | ₹35,25,000 | ₹36,34,091 | +3.1% |
| Year 14 (9 Jul 2020) | ₹38,25,000 | ₹20,02,655 | -47.6% |
| Year 15 (9 Jul 2021) | ₹41,25,000 | ₹36,27,483 | -12.1% |
| Year 16 (11 Jul 2022) | ₹44,25,000 | ₹42,77,701 | -3.3% |
| Year 17 (10 Jul 2023) | ₹47,25,000 | ₹75,08,955 | +58.9% |
| Year 18 (9 Jul 2024) | ₹50,25,000 | ₹1,28,21,612 | +155.2% |
| Year 19 (9 Jul 2025) | ₹53,25,000 | ₹1,27,33,817 | +139.1% |
| Year 20 (9 Jul 2026) | ₹56,25,000 | ₹1,50,65,051 | +167.8% |
Best year of the journey: Year 18 (+64.2% market move) · Toughest year: Year 14 (-49.1%)
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 Nov 2007 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.