₹2,000 Monthly SIP in Kotak-Small Cap Fund for 5 Years
If you had started a ₹2,000/month SIP on 13 Sept 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
₹1,22,000
61 installments
Value today
₹1,68,842
11 Sept 2026
Absolute gain
+₹46,842
+38.4%
XIRR (annualised)
13.01%
money-weighted
The journey, month by month
Worst fall on the way
-20.4%
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
₹1,43,221
Modelled at historical FD rates. The fund beat FD by ₹25,621.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹26,000 | ₹27,890 | +7.3% |
| Year 2 (11 Sept 2023) | ₹50,000 | ₹62,876 | +25.8% |
| Year 3 (11 Sept 2024) | ₹74,000 | ₹1,17,603 | +58.9% |
| Year 4 (11 Sept 2025) | ₹98,000 | ₹1,34,763 | +37.5% |
| Year 5 (11 Sept 2026) | ₹1,22,000 | ₹1,68,842 | +38.4% |
Best year of the journey: Year 3 (+35.4% market move) · Toughest year: Year 4 (-4.8%)
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 13 Sept 2021 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.