₹2,000 Monthly SIP in Motilal Oswal Flexi cap Fund Direct Plan for 10 Years
If you had started a ₹2,000/month SIP on 1 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
₹2,42,000
121 installments
Value today
₹5,09,824
1 Sept 2026
Absolute gain
+₹2,67,824
+110.7%
XIRR (annualised)
14.34%
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
₹3,35,757
Modelled at historical FD rates. The fund beat FD by ₹1,74,067.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹26,000 | ₹31,070 | +19.5% |
| Year 2 (3 Sept 2018) | ₹50,000 | ₹56,884 | +13.8% |
| Year 3 (3 Sept 2019) | ₹74,000 | ₹76,047 | +2.8% |
| Year 4 (1 Sept 2020) | ₹98,000 | ₹1,04,603 | +6.7% |
| Year 5 (1 Sept 2021) | ₹1,22,000 | ₹1,75,615 | +43.9% |
| Year 6 (1 Sept 2022) | ₹1,46,000 | ₹1,92,101 | +31.6% |
| Year 7 (1 Sept 2023) | ₹1,70,000 | ₹2,51,451 | +47.9% |
| Year 8 (2 Sept 2024) | ₹1,94,000 | ₹4,20,452 | +116.7% |
| Year 9 (1 Sept 2025) | ₹2,18,000 | ₹4,68,864 | +115.1% |
| Year 10 (1 Sept 2026) | ₹2,42,000 | ₹5,09,824 | +110.7% |
Best year of the journey: Year 8 (+52.6% 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 1 Sept 2016 and 1 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.