₹1,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹1,000/month SIP on 12 Sept 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
₹3,28,077
11 Sept 2026
Absolute gain
+₹2,07,077
+171.1%
XIRR (annualised)
18.97%
money-weighted
The journey, month by month
Worst fall on the way
-37.2%
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
₹1,68,163
Modelled at historical FD rates. The fund beat FD by ₹1,59,914.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹13,000 | ₹14,477 | +11.4% |
| Year 2 (11 Sept 2018) | ₹25,000 | ₹26,215 | +4.9% |
| Year 3 (11 Sept 2019) | ₹37,000 | ₹35,665 | -3.6% |
| Year 4 (11 Sept 2020) | ₹49,000 | ₹55,542 | +13.4% |
| Year 5 (13 Sept 2021) | ₹61,000 | ₹1,33,203 | +118.4% |
| Year 6 (12 Sept 2022) | ₹73,000 | ₹1,59,221 | +118.1% |
| Year 7 (11 Sept 2023) | ₹85,000 | ₹2,07,424 | +144% |
| Year 8 (11 Sept 2024) | ₹97,000 | ₹3,04,561 | +214% |
| Year 9 (11 Sept 2025) | ₹1,09,000 | ₹2,97,599 | +173% |
| Year 10 (11 Sept 2026) | ₹1,21,000 | ₹3,28,077 | +171.1% |
Best year of the journey: Year 5 (+97.2% market move) · Toughest year: Year 3 (-6.7%)
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 12 Sept 2016 and 11 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.