₹10,000 Monthly SIP in quant Flexi Cap Fund for 10 Years
If you had started a ₹10,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using quant Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹35,52,297
1 Sept 2026
Absolute gain
+₹23,42,297
+193.6%
XIRR (annualised)
20.53%
money-weighted
The journey, month by month
Worst fall on the way
-32.5%
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
₹16,78,786
Modelled at historical FD rates. The fund beat FD by ₹18,73,511.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹1,30,000 | ₹1,50,603 | +15.8% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,74,245 | +9.7% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,46,246 | -6.4% |
| Year 4 (1 Sept 2020) | ₹4,90,000 | ₹5,89,317 | +20.3% |
| Year 5 (1 Sept 2021) | ₹6,10,000 | ₹13,03,758 | +113.7% |
| Year 6 (1 Sept 2022) | ₹7,30,000 | ₹15,47,503 | +112% |
| Year 7 (1 Sept 2023) | ₹8,50,000 | ₹19,89,836 | +134.1% |
| Year 8 (2 Sept 2024) | ₹9,70,000 | ₹32,68,303 | +236.9% |
| Year 9 (1 Sept 2025) | ₹10,90,000 | ₹29,33,659 | +169.1% |
| Year 10 (1 Sept 2026) | ₹12,10,000 | ₹35,52,297 | +193.6% |
Best year of the journey: Year 5 (+83.8% market move) · Toughest year: Year 9 (-13.4%)
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 quant Flexi Cap Fund'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.