₹10,000 Monthly SIP in Motilal Oswal Flexi cap Fund Direct Plan for 3 Years
If you had started a ₹10,000/month SIP on 31 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Motilal Oswal Flexi cap Fund Direct Plan's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,58,290
31 Aug 2026
Absolute gain
+₹88,290
+23.9%
XIRR (annualised)
14.04%
money-weighted
The journey, month by month
Worst fall on the way
-16.6%
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
₹4,12,985
Modelled at historical FD rates. The fund beat FD by ₹45,305.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2024) | ₹1,40,000 | ₹1,83,397 | +31% |
| Year 2 (1 Sept 2025) | ₹2,60,000 | ₹3,19,566 | +22.9% |
| Year 3 (31 Aug 2026) | ₹3,70,000 | ₹4,58,290 | +23.9% |
Best year of the journey: Year 1 (+31% market move) · Toughest year: Year 2 (5.3%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Motilal Oswal Flexi cap Fund Direct Plan's published NAV (source: AMFI) between 31 Aug 2023 and 31 Aug 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.