₹5,000 Monthly SIP in Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) for 10 Years
If you had started a ₹5,000/month SIP on 27 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC)'s actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹8,78,818
3 Sept 2026
Absolute gain
+₹2,73,818
+45.3%
XIRR (annualised)
7.3%
money-weighted
The journey, month by month
Worst fall on the way
-24.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹8,39,634
Modelled at historical FD rates. The fund beat FD by ₹39,184.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹65,000 | ₹72,474 | +11.5% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,38,100 | +10.5% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹1,98,921 | +7.5% |
| Year 4 (3 Sept 2020) | ₹2,45,000 | ₹2,88,905 | +17.9% |
| Year 5 (3 Sept 2021) | ₹3,05,000 | ₹4,02,894 | +32.1% |
| Year 6 (5 Sept 2022) | ₹3,65,000 | ₹4,72,888 | +29.6% |
| Year 7 (4 Sept 2023) | ₹4,25,000 | ₹6,38,389 | +50.2% |
| Year 8 (3 Sept 2024) | ₹4,85,000 | ₹8,64,660 | +78.3% |
| Year 9 (3 Sept 2025) | ₹5,45,000 | ₹8,38,565 | +53.9% |
| Year 10 (3 Sept 2026) | ₹6,05,000 | ₹8,78,818 | +45.3% |
Best year of the journey: Year 8 (+23.8% market move) · Toughest year: Year 9 (-9.3%)
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 Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC)'s published NAV (source: AMFI) between 27 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.