₹25,000 Monthly SIP in Aditya Birla Sun Life Gold ETF for 15 Years
If you had started a ₹25,000/month SIP on 19 Sept 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
₹45,25,000
181 installments
Value today
₹33,00,402
18 Sept 2026
Absolute gain
₹-12,24,598
-27.1%
XIRR (annualised)
-4.33%
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
₹84,05,293
Modelled at historical FD rates. The fund trailed FD by ₹51,04,891.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹3,25,000 | ₹3,60,605 | +11% |
| Year 2 (18 Sept 2013) | ₹6,25,000 | ₹6,23,205 | -0.3% |
| Year 3 (18 Sept 2014) | ₹9,25,000 | ₹8,40,198 | -9.2% |
| Year 4 (18 Sept 2015) | ₹12,25,000 | ₹11,30,346 | -7.7% |
| Year 5 (19 Sept 2016) | ₹15,25,000 | ₹16,48,759 | +8.1% |
| Year 6 (18 Sept 2017) | ₹18,25,000 | ₹18,46,200 | +1.2% |
| Year 7 (18 Sept 2018) | ₹21,25,000 | ₹21,88,056 | +3% |
| Year 8 (18 Sept 2019) | ₹24,25,000 | ₹61,28,822 | +152.7% |
| Year 9 (18 Sept 2020) | ₹27,25,000 | ₹84,95,496 | +211.8% |
| Year 10 (20 Sept 2021) | ₹30,25,000 | ₹78,02,977 | +157.9% |
| Year 11 (19 Sept 2022) | ₹33,25,000 | ₹3,26,387 | -90.2% |
| Year 12 (18 Sept 2023) | ₹36,25,000 | ₹7,02,843 | -80.6% |
| Year 13 (18 Sept 2024) | ₹39,25,000 | ₹11,90,047 | -69.7% |
| Year 14 (18 Sept 2025) | ₹42,25,000 | ₹21,49,278 | -49.1% |
| Year 15 (18 Sept 2026) | ₹45,25,000 | ₹33,00,402 | -27.1% |
Best year of the journey: Year 8 (+146.3% market move) · Toughest year: Year 11 (-96%)
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 19 Sept 2011 and 18 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.