₹25,000 Monthly SIP in Kotak-Small Cap Fund for 3 Years
If you had started a ₹25,000/month SIP on 18 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Kotak-Small Cap Fund's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹10,83,174
18 Aug 2026
Absolute gain
+₹1,58,174
+17.1%
XIRR (annualised)
10.49%
money-weighted
The journey, month by month
Worst fall on the way
-17.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹10,30,057
Modelled at historical FD rates. The fund beat FD by ₹53,117.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹3,25,000 | ₹4,04,183 | +24.4% |
| Year 2 (18 Aug 2025) | ₹6,25,000 | ₹6,94,250 | +11.1% |
| Year 3 (18 Aug 2026) | ₹9,25,000 | ₹10,83,174 | +17.1% |
Best year of the journey: Year 1 (+24.4% market move) · Toughest year: Year 2 (-1.4%)
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 18 Aug 2023 and 18 Aug 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.