₹1,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 20 Years
If you had started a ₹1,000/month SIP on 18 Aug 2006 and never stopped — through every crash and rally — here is exactly what happened, using DSP Bond Fund - IDCW - Monthly's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹2,46,683
18 Aug 2026
Absolute gain
+₹5,683
+2.4%
XIRR (annualised)
0.23%
money-weighted
The journey, month by month
Worst fall on the way
-5.5%
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
₹5,71,513
Modelled at historical FD rates. The fund trailed FD by ₹3,24,830.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2007) | ₹13,000 | ₹13,029 | +0.2% |
| Year 2 (18 Aug 2008) | ₹25,000 | ₹24,885 | -0.5% |
| Year 3 (18 Aug 2009) | ₹37,000 | ₹38,403 | +3.8% |
| Year 4 (18 Aug 2010) | ₹49,000 | ₹50,840 | +3.8% |
| Year 5 (18 Aug 2011) | ₹61,000 | ₹63,672 | +4.4% |
| Year 6 (21 Aug 2012) | ₹73,000 | ₹75,551 | +3.5% |
| Year 7 (19 Aug 2013) | ₹85,000 | ₹82,687 | -2.7% |
| Year 8 (19 Aug 2014) | ₹97,000 | ₹96,077 | -1% |
| Year 9 (19 Aug 2015) | ₹1,09,000 | ₹1,10,610 | +1.5% |
| Year 10 (18 Aug 2016) | ₹1,21,000 | ₹1,23,561 | +2.1% |
| Year 11 (18 Aug 2017) | ₹1,33,000 | ₹1,34,632 | +1.2% |
| Year 12 (20 Aug 2018) | ₹1,45,000 | ₹1,47,191 | +1.5% |
| Year 13 (19 Aug 2019) | ₹1,57,000 | ₹1,54,942 | -1.3% |
| Year 14 (18 Aug 2020) | ₹1,69,000 | ₹1,71,362 | +1.4% |
| Year 15 (18 Aug 2021) | ₹1,81,000 | ₹1,83,393 | +1.3% |
| Year 16 (18 Aug 2022) | ₹1,93,000 | ₹1,96,026 | +1.6% |
| Year 17 (18 Aug 2023) | ₹2,05,000 | ₹2,07,104 | +1% |
| Year 18 (19 Aug 2024) | ₹2,17,000 | ₹2,20,926 | +1.8% |
| Year 19 (18 Aug 2025) | ₹2,29,000 | ₹2,33,550 | +2% |
| Year 20 (18 Aug 2026) | ₹2,39,000 | ₹2,44,680 | +2.4% |
Best year of the journey: Year 3 (+4.1% market move) · Toughest year: Year 7 (-5.6%)
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 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 2006 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.