₹10,000 Monthly SIP in Motilal Oswal Flexi cap Fund Direct Plan for 10 Years
If you had started a ₹10,000/month SIP on 6 Sept 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹25,31,605
3 Sept 2026
Absolute gain
+₹13,21,605
+109.2%
XIRR (annualised)
14.2%
money-weighted
The journey, month by month
Worst fall on the way
-35.7%
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
₹16,79,343
Modelled at historical FD rates. The fund beat FD by ₹8,52,262.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,54,172 | +18.6% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,84,147 | +13.7% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,79,985 | +2.7% |
| Year 4 (3 Sept 2020) | ₹4,90,000 | ₹5,26,134 | +7.4% |
| Year 5 (3 Sept 2021) | ₹6,10,000 | ₹8,92,620 | +46.3% |
| Year 6 (5 Sept 2022) | ₹7,30,000 | ₹9,70,441 | +32.9% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹12,69,137 | +49.3% |
| Year 8 (3 Sept 2024) | ₹9,70,000 | ₹21,13,369 | +117.9% |
| Year 9 (3 Sept 2025) | ₹10,90,000 | ₹23,47,611 | +115.4% |
| Year 10 (3 Sept 2026) | ₹12,10,000 | ₹25,31,605 | +109.2% |
Best year of the journey: Year 8 (+52.1% market move) · Toughest year: Year 3 (-6%)
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 2016 and 3 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.