₹1,000 Monthly SIP in Motilal Oswal Flexi cap Fund Direct Plan for 5 Years
If you had started a ₹1,000/month SIP on 6 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Motilal Oswal Flexi cap Fund Direct Plan's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹91,408
4 Sept 2026
Absolute gain
+₹30,408
+49.8%
XIRR (annualised)
16.36%
money-weighted
The journey, month by month
Worst fall on the way
-17.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,524
Modelled at historical FD rates. The fund beat FD by ₹19,884.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹13,000 | ₹13,373 | +2.9% |
| Year 2 (4 Sept 2023) | ₹25,000 | ₹29,465 | +17.9% |
| Year 3 (4 Sept 2024) | ₹37,000 | ₹60,684 | +64% |
| Year 4 (4 Sept 2025) | ₹49,000 | ₹76,318 | +55.8% |
| Year 5 (4 Sept 2026) | ₹61,000 | ₹91,408 | +49.8% |
Best year of the journey: Year 3 (+46.3% market move) · Toughest year: Year 1 (2.9%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Motilal Oswal Flexi cap Fund Direct Plan's published NAV (source: AMFI) between 6 Sept 2021 and 4 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.