What would a monthly SIP in Motilal Oswal Midcap Fund have actually grown to? The table below replays a ₹10,000/month SIP on real daily NAV history — no projections, no assumed returns.
| Period | Invested | Current value | Gain | XIRR |
|---|---|---|---|---|
| 10 years | Fund history shorter than 10 years | |||
| 5 years | ₹6.00L | ₹9.70L | ₹3.70L | 19.45% |
| 3 years | ₹3.60L | ₹4.35L | ₹74.87K | 12.85% |
| 1 year | ₹1.20L | ₹1.26L | ₹5.59K | 9.14% |
XIRR is identical for any monthly amount — a ₹5,000 SIP simply halves the invested/value/gain figures above. Computed 2026-10-03 from 1,715 daily NAVs (2019-10-22 → 2026-10-01).
Change the amount, dates or annual step-up — the full simulator runs in your browser on live NAV data.
A ₹10,000 monthly SIP in Motilal Oswal Midcap Fund over the last 5 years would have grown to ₹9.70L on an investment of ₹6.00L — an XIRR of 19.45%.
Advertised returns are point-to-point (lump sum at two dates). SIP XIRR accounts for money going in every month at different NAVs — it's the return your staggered investment actually earned, which is usually lower than the headline number in rising markets and higher in falling ones.
Most Indian equity funds accept ₹500–₹1,000 per month. Confirm the exact minimum in the scheme's SID/KIM before starting.
Yes. A SIP doesn't remove market risk — it only averages your purchase price. Over short periods the value can sit below what you invested, as the 1-year row above sometimes shows.
Daily NAV history published under AMFI, fetched via mfapi.in, replayed with the same engine as our SIP calculator. Figures are a historical illustration, not a prediction.