₹10,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹10,000/month SIP on 19 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
₹12,10,000
121 installments
Value today
₹33,08,021
18 Sept 2026
Absolute gain
+₹20,98,021
+173.4%
XIRR (annualised)
19.06%
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
₹16,83,618
Modelled at historical FD rates. The fund beat FD by ₹16,24,403.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹1,30,000 | ₹1,48,400 | +14.2% |
| Year 2 (18 Sept 2018) | ₹2,50,000 | ₹2,60,264 | +4.1% |
| Year 3 (18 Sept 2019) | ₹3,70,000 | ₹3,55,099 | -4% |
| Year 4 (18 Sept 2020) | ₹4,90,000 | ₹5,92,683 | +21% |
| Year 5 (20 Sept 2021) | ₹6,10,000 | ₹13,19,191 | +116.3% |
| Year 6 (19 Sept 2022) | ₹7,30,000 | ₹15,59,982 | +113.7% |
| Year 7 (18 Sept 2023) | ₹8,50,000 | ₹20,17,762 | +137.4% |
| Year 8 (18 Sept 2024) | ₹9,70,000 | ₹30,63,569 | +215.8% |
| Year 9 (18 Sept 2025) | ₹10,90,000 | ₹30,03,020 | +175.5% |
| Year 10 (18 Sept 2026) | ₹12,10,000 | ₹33,08,021 | +173.4% |
Best year of the journey: Year 5 (+85.1% market move) · Toughest year: Year 3 (-6.6%)
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 19 Sept 2016 and 18 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.