What would a ₹1,000 monthly SIP in Kotak Balanced Advantage Fund be worth after 3 years?

Based on real NAV history from 1 Sept 2023 to 1 Sept 2026, a ₹1,000/month SIP (37 installments, ₹37,000 invested) would be worth ₹41,319 — an XIRR of 7.5%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹41,081. The fund beat FD by ₹238.

How risky was this journey?

The portfolio fell up to 6.4% from its peak at the worst point, and survived 0 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹1,000 Monthly SIP in Kotak Balanced Advantage Fund for 3 Years

If you had started a ₹1,000/month SIP on 1 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Balanced Advantage Fund's actual NAV for all 37 installments.

You invested

₹37,000

37 installments

Value today

₹41,319

1 Sept 2026

Absolute gain

+₹4,319

+11.7%

XIRR (annualised)

7.5%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-6.4%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹41,081

Modelled at historical FD rates. The fund beat FD by ₹238.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (2 Sept 2024)	₹13,000	₹14,732	+13.3%
Year 2 (1 Sept 2025)	₹25,000	₹27,429	+9.7%
Year 3 (1 Sept 2026)	₹37,000	₹41,319	+11.7%

Best year of the journey: Year 1 (+13.3% market move) · Toughest year: Year 2 (2.6%)

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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Same SIP in other Dynamic Asset Allocation / BAF funds

Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Balanced Advantage Fund's published NAV (source: AMFI) between 1 Sept 2023 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.