₹5,000 Monthly SIP in Aditya Birla Sun Life Gold ETF for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹6,41,837
1 Oct 2026
Absolute gain
₹-2,63,163
-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
₹16,72,087
Modelled at historical FD rates. The fund trailed FD by ₹10,30,250.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹65,000 | ₹70,223 | +8% |
| Year 2 (1 Oct 2013) | ₹1,25,000 | ₹1,27,098 | +1.7% |
| Year 3 (1 Oct 2014) | ₹1,85,000 | ₹1,67,878 | -9.3% |
| Year 4 (1 Oct 2015) | ₹2,45,000 | ₹2,22,296 | -9.3% |
| Year 5 (3 Oct 2016) | ₹3,05,000 | ₹3,28,507 | +7.7% |
| Year 6 (3 Oct 2017) | ₹3,65,000 | ₹3,64,798 | -0.1% |
| Year 7 (1 Oct 2018) | ₹4,25,000 | ₹4,34,814 | +2.3% |
| Year 8 (1 Oct 2019) | ₹4,85,000 | ₹11,88,075 | +145% |
| Year 9 (1 Oct 2020) | ₹5,45,000 | ₹16,45,613 | +201.9% |
| Year 10 (1 Oct 2021) | ₹6,05,000 | ₹15,63,486 | +158.4% |
| Year 11 (3 Oct 2022) | ₹6,65,000 | ₹71,226 | -89.3% |
| Year 12 (3 Oct 2023) | ₹7,25,000 | ₹1,39,505 | -80.8% |
| Year 13 (1 Oct 2024) | ₹7,85,000 | ₹2,50,406 | -68.1% |
| Year 14 (1 Oct 2025) | ₹8,45,000 | ₹4,62,566 | -45.3% |
| Year 15 (1 Oct 2026) | ₹9,05,000 | ₹6,41,837 | -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.