₹25,000 Monthly SIP in Kotak-Small Cap Fund for 5 Years
If you had started a ₹25,000/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
₹15,25,000
61 installments
Value today
₹21,10,529
11 Sept 2026
Absolute gain
+₹5,85,529
+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
₹17,90,268
Modelled at historical FD rates. The fund beat FD by ₹3,20,261.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹3,25,000 | ₹3,48,620 | +7.3% |
| Year 2 (11 Sept 2023) | ₹6,25,000 | ₹7,85,945 | +25.8% |
| Year 3 (11 Sept 2024) | ₹9,25,000 | ₹14,70,038 | +58.9% |
| Year 4 (11 Sept 2025) | ₹12,25,000 | ₹16,84,534 | +37.5% |
| Year 5 (11 Sept 2026) | ₹15,25,000 | ₹21,10,529 | +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.
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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 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.