₹5,000 Monthly SIP in Kotak-Small Cap Fund for 5 Years
If you had started a ₹5,000/month SIP on 20 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
₹3,05,000
61 installments
Value today
₹4,25,787
18 Sept 2026
Absolute gain
+₹1,20,787
+39.6%
XIRR (annualised)
13.27%
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
₹3,58,486
Modelled at historical FD rates. The fund beat FD by ₹67,301.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Sept 2022) | ₹65,000 | ₹68,381 | +5.2% |
| Year 2 (18 Sept 2023) | ₹1,25,000 | ₹1,53,006 | +22.4% |
| Year 3 (18 Sept 2024) | ₹1,85,000 | ₹2,95,896 | +59.9% |
| Year 4 (18 Sept 2025) | ₹2,45,000 | ₹3,40,123 | +38.8% |
| Year 5 (18 Sept 2026) | ₹3,05,000 | ₹4,25,787 | +39.6% |
Best year of the journey: Year 3 (+38.9% market move) · Toughest year: Year 4 (-4.4%)
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 20 Sept 2021 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.