₹10,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹10,000/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
₹18,10,000
181 installments
Value today
₹18,42,446
18 Aug 2026
Absolute gain
+₹32,446
+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
₹33,68,050
Modelled at historical FD rates. The fund trailed FD by ₹15,25,604.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,30,574 | +0.4% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,37,168 | -5.1% |
| Year 3 (19 Aug 2014) | ₹3,70,000 | ₹3,61,114 | -2.4% |
| Year 4 (19 Aug 2015) | ₹4,90,000 | ₹4,91,773 | +0.4% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹6,16,787 | +1.1% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹7,32,717 | +0.4% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹8,56,145 | +0.7% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹9,50,526 | -2% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹10,97,931 | +0.7% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹12,18,220 | +0.7% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹13,42,725 | +1% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹14,56,449 | +0.4% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹15,89,476 | +1.2% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹17,14,019 | +1.4% |
| Year 15 (18 Aug 2026) | ₹17,90,000 | ₹18,22,423 | +1.8% |
Best year of the journey: Year 9 (+2.6% market move) · Toughest year: Year 2 (-5.4%)
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.