₹5,000 Monthly SIP in Kotak-Small Cap Fund for 10 Years
If you had started a ₹5,000/month SIP on 18 Aug 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
₹6,05,000
121 installments
Value today
₹16,80,697
18 Aug 2026
Absolute gain
+₹10,75,697
+177.8%
XIRR (annualised)
19.36%
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
₹8,42,229
Modelled at historical FD rates. The fund beat FD by ₹8,38,468.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹65,000 | ₹71,204 | +9.5% |
| Year 2 (20 Aug 2018) | ₹1,25,000 | ₹1,33,902 | +7.1% |
| Year 3 (19 Aug 2019) | ₹1,85,000 | ₹1,73,488 | -6.2% |
| Year 4 (18 Aug 2020) | ₹2,45,000 | ₹2,69,393 | +10% |
| Year 5 (18 Aug 2021) | ₹3,05,000 | ₹6,34,136 | +107.9% |
| Year 6 (18 Aug 2022) | ₹3,65,000 | ₹7,77,443 | +113% |
| Year 7 (18 Aug 2023) | ₹4,25,000 | ₹9,84,050 | +131.5% |
| Year 8 (19 Aug 2024) | ₹4,85,000 | ₹14,84,164 | +206% |
| Year 9 (18 Aug 2025) | ₹5,45,000 | ₹14,95,267 | +174.4% |
| Year 10 (18 Aug 2026) | ₹6,05,000 | ₹16,80,697 | +177.8% |
Best year of the journey: Year 5 (+92.5% market move) · Toughest year: Year 3 (-10.5%)
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 2016 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.