₹25,000 Monthly SIP in Kotak Pioneer Fund for 5 Years
If you had started a ₹25,000/month SIP on 29 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Pioneer Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹24,08,395
29 Sept 2026
Absolute gain
+₹8,83,395
+57.9%
XIRR (annualised)
18.06%
money-weighted
The journey, month by month
Worst fall on the way
-12.6%
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
₹17,95,842
Modelled at historical FD rates. The fund beat FD by ₹6,12,553.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2022) | ₹3,25,000 | ₹3,15,026 | -3.1% |
| Year 2 (29 Sept 2023) | ₹6,25,000 | ₹7,38,556 | +18.2% |
| Year 3 (30 Sept 2024) | ₹9,25,000 | ₹15,06,561 | +62.9% |
| Year 4 (29 Sept 2025) | ₹12,25,000 | ₹18,79,180 | +53.4% |
| Year 5 (29 Sept 2026) | ₹15,25,000 | ₹24,08,395 | +57.9% |
Best year of the journey: Year 3 (+45.1% market move) · Toughest year: Year 1 (-3.1%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Pioneer Fund's published NAV (source: AMFI) between 29 Sept 2021 and 29 Sept 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.