₹25,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹61,67,066
18 Aug 2026
Absolute gain
+₹1,42,066
+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
₹1,42,87,833
Modelled at historical FD rates. The fund trailed FD by ₹81,20,767.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2007) | ₹3,25,000 | ₹3,25,734 | +0.2% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹6,22,132 | -0.5% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹9,60,077 | +3.8% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹12,70,989 | +3.8% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹15,91,789 | +4.4% |
| Year 6 (21 Aug 2012) | ₹18,25,000 | ₹18,88,780 | +3.5% |
| Year 7 (19 Aug 2013) | ₹21,25,000 | ₹20,67,179 | -2.7% |
| Year 8 (19 Aug 2014) | ₹24,25,000 | ₹24,01,913 | -1% |
| Year 9 (19 Aug 2015) | ₹27,25,000 | ₹27,65,248 | +1.5% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹30,89,026 | +2.1% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹33,65,796 | +1.2% |
| Year 12 (20 Aug 2018) | ₹36,25,000 | ₹36,79,773 | +1.5% |
| Year 13 (19 Aug 2019) | ₹39,25,000 | ₹38,73,548 | -1.3% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹42,84,042 | +1.4% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹45,84,835 | +1.3% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹49,00,653 | +1.6% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹51,77,607 | +1% |
| Year 18 (19 Aug 2024) | ₹54,25,000 | ₹55,23,145 | +1.8% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹58,38,740 | +2% |
| Year 20 (18 Aug 2026) | ₹59,75,000 | ₹61,17,008 | +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.