₹25,000 Monthly SIP in Kotak World Gold Fund - Standard Plan for 5 Years
If you had started a ₹25,000/month SIP on 25 Feb 2015 and never stopped — through every crash and rally — here is exactly what happened, using Kotak World Gold Fund - Standard Plan's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹20,03,833
25 Feb 2020
Absolute gain
+₹4,78,833
+31.4%
XIRR (annualised)
10.75%
money-weighted
The journey, month by month
Worst fall on the way
-28.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
14
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹18,25,572
Modelled at historical FD rates. The fund beat FD by ₹1,78,261.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Feb 2016) | ₹3,25,000 | ₹3,82,047 | +17.6% |
| Year 2 (27 Feb 2017) | ₹6,25,000 | ₹7,29,204 | +16.7% |
| Year 3 (26 Feb 2018) | ₹9,25,000 | ₹9,27,049 | +0.2% |
| Year 4 (25 Feb 2019) | ₹12,25,000 | ₹12,42,918 | +1.5% |
| Year 5 (25 Feb 2020) | ₹15,25,000 | ₹20,03,833 | +31.4% |
Best year of the journey: Year 5 (+29.9% market move) · Toughest year: Year 3 (-9.9%)
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 Fund of Funds funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak World Gold Fund - Standard Plan's published NAV (source: AMFI) between 25 Feb 2015 and 25 Feb 2020; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.