₹1,000 Monthly SIP in Kotak Balanced Advantage Fund for 5 Years
If you had started a ₹1,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Balanced Advantage Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹77,516
1 Sept 2026
Absolute gain
+₹16,516
+27.1%
XIRR (annualised)
9.66%
money-weighted
The journey, month by month
Worst fall on the way
-7%
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
₹71,488
Modelled at historical FD rates. The fund beat FD by ₹6,028.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹13,000 | ₹13,480 | +3.7% |
| Year 2 (1 Sept 2023) | ₹25,000 | ₹27,887 | +11.5% |
| Year 3 (2 Sept 2024) | ₹37,000 | ₹48,129 | +30.1% |
| Year 4 (1 Sept 2025) | ₹49,000 | ₹61,693 | +25.9% |
| Year 5 (1 Sept 2026) | ₹61,000 | ₹77,516 | +27.1% |
Best year of the journey: Year 3 (+20.7% market move) · Toughest year: Year 4 (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 2021 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.