₹10,000 Monthly SIP in Navi Flexi Cap Fund for 3 Years
If you had started a ₹10,000/month SIP on 3 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using Navi Flexi Cap Fund's actual NAV for all 36 installments.
You invested
₹3,60,000
36 installments
Value today
₹4,08,009
30 Sept 2026
Absolute gain
+₹48,009
+13.3%
XIRR (annualised)
8.32%
money-weighted
The journey, month by month
Worst fall on the way
-10%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,00,695
Modelled at historical FD rates. The fund beat FD by ₹7,314.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹1,20,000 | ₹1,42,026 | +18.4% |
| Year 2 (30 Sept 2025) | ₹2,40,000 | ₹2,56,865 | +7% |
| Year 3 (30 Sept 2026) | ₹3,60,000 | ₹4,08,009 | +13.3% |
Best year of the journey: Year 1 (+18.4% market move) · Toughest year: Year 2 (-2%)
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 Navi Flexi Cap Fund's published NAV (source: AMFI) between 3 Oct 2023 and 30 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.