₹1,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹1,000/month SIP on 4 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using Kotak-Small Cap Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹3,29,545
3 Jul 2026
Absolute gain
+₹2,08,545
+172.4%
XIRR (annualised)
19.13%
money-weighted
The journey, month by month
Worst fall on the way
-37.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,100
Modelled at historical FD rates. The fund beat FD by ₹1,61,445.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹13,000 | ₹14,804 | +13.9% |
| Year 2 (3 Jul 2018) | ₹25,000 | ₹26,720 | +6.9% |
| Year 3 (3 Jul 2019) | ₹37,000 | ₹38,584 | +4.3% |
| Year 4 (3 Jul 2020) | ₹49,000 | ₹47,555 | -2.9% |
| Year 5 (5 Jul 2021) | ₹61,000 | ₹1,23,445 | +102.4% |
| Year 6 (4 Jul 2022) | ₹73,000 | ₹1,40,865 | +93% |
| Year 7 (3 Jul 2023) | ₹85,000 | ₹1,91,333 | +125.1% |
| Year 8 (3 Jul 2024) | ₹97,000 | ₹2,97,685 | +206.9% |
| Year 9 (3 Jul 2025) | ₹1,09,000 | ₹3,10,933 | +185.3% |
| Year 10 (3 Jul 2026) | ₹1,21,000 | ₹3,29,545 | +172.4% |
Best year of the journey: Year 5 (+107.3% market move) · Toughest year: Year 4 (-6%)
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 Small Cap funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak-Small Cap Fund's published NAV (source: AMFI) between 4 Jul 2016 and 3 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.