₹2,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹2,000/month SIP on 3 Oct 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
₹2,42,000
121 installments
Value today
₹6,31,865
1 Oct 2026
Absolute gain
+₹3,89,865
+161.1%
XIRR (annualised)
18.35%
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
₹3,35,532
Modelled at historical FD rates. The fund beat FD by ₹2,96,333.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹26,000 | ₹28,244 | +8.6% |
| Year 2 (1 Oct 2018) | ₹50,000 | ₹47,732 | -4.5% |
| Year 3 (1 Oct 2019) | ₹74,000 | ₹73,786 | -0.3% |
| Year 4 (1 Oct 2020) | ₹98,000 | ₹1,14,988 | +17.3% |
| Year 5 (1 Oct 2021) | ₹1,22,000 | ₹2,67,752 | +119.5% |
| Year 6 (3 Oct 2022) | ₹1,46,000 | ₹3,03,173 | +107.7% |
| Year 7 (3 Oct 2023) | ₹1,70,000 | ₹3,98,175 | +134.2% |
| Year 8 (1 Oct 2024) | ₹1,94,000 | ₹6,17,442 | +218.3% |
| Year 9 (1 Oct 2025) | ₹2,18,000 | ₹5,73,249 | +163% |
| Year 10 (1 Oct 2026) | ₹2,42,000 | ₹6,31,865 | +161.1% |
Best year of the journey: Year 5 (+92.6% market move) · Toughest year: Year 9 (-10.6%)
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 3 Oct 2016 and 1 Oct 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.