₹25,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹46,06,115
18 Aug 2026
Absolute gain
+₹81,115
+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
₹84,20,125
Modelled at historical FD rates. The fund trailed FD by ₹38,14,010.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹3,25,000 | ₹3,26,436 | +0.4% |
| Year 2 (19 Aug 2013) | ₹6,25,000 | ₹5,92,921 | -5.1% |
| Year 3 (19 Aug 2014) | ₹9,25,000 | ₹9,02,785 | -2.4% |
| Year 4 (19 Aug 2015) | ₹12,25,000 | ₹12,29,433 | +0.4% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹15,41,967 | +1.1% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹18,31,793 | +0.4% |
| Year 7 (20 Aug 2018) | ₹21,25,000 | ₹21,40,364 | +0.7% |
| Year 8 (19 Aug 2019) | ₹24,25,000 | ₹23,76,314 | -2% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹27,44,827 | +0.7% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹30,45,550 | +0.7% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹33,56,812 | +1% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹36,41,124 | +0.4% |
| Year 13 (19 Aug 2024) | ₹39,25,000 | ₹39,73,690 | +1.2% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹42,85,048 | +1.4% |
| Year 15 (18 Aug 2026) | ₹44,75,000 | ₹45,56,057 | +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.