₹1,000 Monthly SIP in Kotak-Small Cap Fund for 5 Years
If you had started a ₹1,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak-Small Cap Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹86,490
18 Aug 2026
Absolute gain
+₹25,490
+41.8%
XIRR (annualised)
13.9%
money-weighted
The journey, month by month
Worst fall on the way
-20.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,616
Modelled at historical FD rates. The fund beat FD by ₹14,874.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹13,000 | ₹13,625 | +4.8% |
| Year 2 (18 Aug 2023) | ₹25,000 | ₹29,864 | +19.5% |
| Year 3 (19 Aug 2024) | ₹37,000 | ₹57,539 | +55.5% |
| Year 4 (18 Aug 2025) | ₹49,000 | ₹67,759 | +38.3% |
| Year 5 (18 Aug 2026) | ₹61,000 | ₹86,490 | +41.8% |
Best year of the journey: Year 3 (+37.4% market move) · Toughest year: Year 4 (-2.6%)
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 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 18 Aug 2021 and 18 Aug 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.