₹25,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹82,70,052
18 Sept 2026
Absolute gain
+₹52,45,052
+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
₹42,09,045
Modelled at historical FD rates. The fund beat FD by ₹40,61,007.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹3,25,000 | ₹3,71,000 | +14.2% |
| Year 2 (18 Sept 2018) | ₹6,25,000 | ₹6,50,661 | +4.1% |
| Year 3 (18 Sept 2019) | ₹9,25,000 | ₹8,87,747 | -4% |
| Year 4 (18 Sept 2020) | ₹12,25,000 | ₹14,81,707 | +21% |
| Year 5 (20 Sept 2021) | ₹15,25,000 | ₹32,97,978 | +116.3% |
| Year 6 (19 Sept 2022) | ₹18,25,000 | ₹38,99,955 | +113.7% |
| Year 7 (18 Sept 2023) | ₹21,25,000 | ₹50,44,406 | +137.4% |
| Year 8 (18 Sept 2024) | ₹24,25,000 | ₹76,58,924 | +215.8% |
| Year 9 (18 Sept 2025) | ₹27,25,000 | ₹75,07,550 | +175.5% |
| Year 10 (18 Sept 2026) | ₹30,25,000 | ₹82,70,052 | +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.
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 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.