₹10,000 Monthly SIP in Aditya Birla Sun Life Gold ETF for 15 Years
If you had started a ₹10,000/month SIP on 3 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Gold ETF's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹12,83,674
1 Oct 2026
Absolute gain
₹-5,26,326
-29.1%
XIRR (annualised)
-4.77%
money-weighted
The journey, month by month
Worst fall on the way
-99.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹33,44,173
Modelled at historical FD rates. The fund trailed FD by ₹20,60,499.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹1,30,000 | ₹1,40,447 | +8% |
| Year 2 (1 Oct 2013) | ₹2,50,000 | ₹2,54,197 | +1.7% |
| Year 3 (1 Oct 2014) | ₹3,70,000 | ₹3,35,755 | -9.3% |
| Year 4 (1 Oct 2015) | ₹4,90,000 | ₹4,44,593 | -9.3% |
| Year 5 (3 Oct 2016) | ₹6,10,000 | ₹6,57,015 | +7.7% |
| Year 6 (3 Oct 2017) | ₹7,30,000 | ₹7,29,595 | -0.1% |
| Year 7 (1 Oct 2018) | ₹8,50,000 | ₹8,69,628 | +2.3% |
| Year 8 (1 Oct 2019) | ₹9,70,000 | ₹23,76,150 | +145% |
| Year 9 (1 Oct 2020) | ₹10,90,000 | ₹32,91,227 | +201.9% |
| Year 10 (1 Oct 2021) | ₹12,10,000 | ₹31,26,973 | +158.4% |
| Year 11 (3 Oct 2022) | ₹13,30,000 | ₹1,42,452 | -89.3% |
| Year 12 (3 Oct 2023) | ₹14,50,000 | ₹2,79,009 | -80.8% |
| Year 13 (1 Oct 2024) | ₹15,70,000 | ₹5,00,813 | -68.1% |
| Year 14 (1 Oct 2025) | ₹16,90,000 | ₹9,25,131 | -45.3% |
| Year 15 (1 Oct 2026) | ₹18,10,000 | ₹12,83,674 | -29.1% |
Best year of the journey: Year 8 (+140.1% market move) · Toughest year: Year 11 (-95.6%)
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 Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Aditya Birla Sun Life Gold ETF's published NAV (source: AMFI) between 3 Oct 2011 and 1 Oct 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.