₹2,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹2,000/month SIP on 6 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
₹6,39,776
6 Oct 2026
Absolute gain
+₹3,97,776
+164.4%
XIRR (annualised)
18.54%
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
₹3,35,817
Modelled at historical FD rates. The fund beat FD by ₹3,03,959.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹26,000 | ₹28,729 | +10.5% |
| Year 2 (8 Oct 2018) | ₹50,000 | ₹45,359 | -9.3% |
| Year 3 (7 Oct 2019) | ₹74,000 | ₹72,899 | -1.5% |
| Year 4 (6 Oct 2020) | ₹98,000 | ₹1,16,028 | +18.4% |
| Year 5 (6 Oct 2021) | ₹1,22,000 | ₹2,69,469 | +120.9% |
| Year 6 (6 Oct 2022) | ₹1,46,000 | ₹3,07,779 | +110.8% |
| Year 7 (6 Oct 2023) | ₹1,70,000 | ₹3,96,883 | +133.5% |
| Year 8 (7 Oct 2024) | ₹1,94,000 | ₹5,93,872 | +206.1% |
| Year 9 (6 Oct 2025) | ₹2,18,000 | ₹5,80,662 | +166.4% |
| Year 10 (6 Oct 2026) | ₹2,42,000 | ₹6,39,776 | +164.4% |
Best year of the journey: Year 5 (+92.4% market move) · Toughest year: Year 2 (-14%)
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 6 Oct 2016 and 6 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.