₹1,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹1,000/month SIP on 18 Aug 2011 and never stopped — through every crash and rally — here is exactly what happened, using DSP Bond Fund - IDCW - Monthly's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹1,84,245
18 Aug 2026
Absolute gain
+₹3,245
+1.8%
XIRR (annualised)
0.24%
money-weighted
The journey, month by month
Worst fall on the way
-5.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,805
Modelled at historical FD rates. The fund trailed FD by ₹1,52,560.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹13,000 | ₹13,057 | +0.4% |
| Year 2 (19 Aug 2013) | ₹25,000 | ₹23,717 | -5.1% |
| Year 3 (19 Aug 2014) | ₹37,000 | ₹36,111 | -2.4% |
| Year 4 (19 Aug 2015) | ₹49,000 | ₹49,177 | +0.4% |
| Year 5 (18 Aug 2016) | ₹61,000 | ₹61,679 | +1.1% |
| Year 6 (18 Aug 2017) | ₹73,000 | ₹73,272 | +0.4% |
| Year 7 (20 Aug 2018) | ₹85,000 | ₹85,615 | +0.7% |
| Year 8 (19 Aug 2019) | ₹97,000 | ₹95,053 | -2% |
| Year 9 (18 Aug 2020) | ₹1,09,000 | ₹1,09,793 | +0.7% |
| Year 10 (18 Aug 2021) | ₹1,21,000 | ₹1,21,822 | +0.7% |
| Year 11 (18 Aug 2022) | ₹1,33,000 | ₹1,34,272 | +1% |
| Year 12 (18 Aug 2023) | ₹1,45,000 | ₹1,45,645 | +0.4% |
| Year 13 (19 Aug 2024) | ₹1,57,000 | ₹1,58,948 | +1.2% |
| Year 14 (18 Aug 2025) | ₹1,69,000 | ₹1,71,402 | +1.4% |
| Year 15 (18 Aug 2026) | ₹1,79,000 | ₹1,82,242 | +1.8% |
Best year of the journey: Year 9 (+2.6% 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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Same SIP in other Medium Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using DSP Bond Fund - IDCW - Monthly's published NAV (source: AMFI) between 18 Aug 2011 and 18 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.