₹5,000 Monthly SIP in Kotak Nifty PSU Bank ETF for 15 Years
If you had started a ₹5,000/month SIP on 11 Jul 2011 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Nifty PSU Bank ETF's actual NAV for all 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹23,61,456
9 Jul 2026
Absolute gain
+₹14,56,456
+160.9%
XIRR (annualised)
11.86%
money-weighted
The journey, month by month
Worst fall on the way
-62.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
29
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,84,267
Modelled at historical FD rates. The fund beat FD by ₹6,77,189.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Jul 2012) | ₹65,000 | ₹66,626 | +2.5% |
| Year 2 (9 Jul 2013) | ₹1,25,000 | ₹1,02,564 | -17.9% |
| Year 3 (9 Jul 2014) | ₹1,85,000 | ₹2,27,498 | +23% |
| Year 4 (9 Jul 2015) | ₹2,45,000 | ₹2,55,915 | +4.5% |
| Year 5 (11 Jul 2016) | ₹3,05,000 | ₹2,85,892 | -6.3% |
| Year 6 (10 Jul 2017) | ₹3,65,000 | ₹4,02,562 | +10.3% |
| Year 7 (9 Jul 2018) | ₹4,25,000 | ₹3,77,049 | -11.3% |
| Year 8 (9 Jul 2019) | ₹4,85,000 | ₹4,79,195 | -1.2% |
| Year 9 (9 Jul 2020) | ₹5,45,000 | ₹2,80,936 | -48.5% |
| Year 10 (9 Jul 2021) | ₹6,05,000 | ₹5,33,736 | -11.8% |
| Year 11 (11 Jul 2022) | ₹6,65,000 | ₹6,45,756 | -2.9% |
| Year 12 (10 Jul 2023) | ₹7,25,000 | ₹11,51,582 | +58.8% |
| Year 13 (9 Jul 2024) | ₹7,85,000 | ₹19,83,706 | +152.7% |
| Year 14 (9 Jul 2025) | ₹8,45,000 | ₹19,84,638 | +134.9% |
| Year 15 (9 Jul 2026) | ₹9,05,000 | ₹23,61,456 | +160.9% |
Best year of the journey: Year 13 (+63.7% market move) · Toughest year: Year 9 (-47.9%)
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 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 11 Jul 2011 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.