₹25,000 Monthly SIP in Motilal Oswal Flexi cap Fund Direct Plan for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹63,29,012
3 Sept 2026
Absolute gain
+₹33,04,012
+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
₹41,98,359
Modelled at historical FD rates. The fund beat FD by ₹21,30,653.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,85,430 | +18.6% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹7,10,367 | +13.7% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,49,962 | +2.7% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹13,15,336 | +7.4% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹22,31,549 | +46.3% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹24,26,104 | +32.9% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹31,72,842 | +49.3% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹52,83,423 | +117.9% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹58,69,027 | +115.4% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹63,29,012 | +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.