₹1,000 Monthly SIP in Franklin India Low Duration Fund - Quarterly for 15 Years
If you had started a ₹1,000/month SIP on 7 Aug 2007 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Low Duration Fund - Quarterly's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹2,54,248
7 Aug 2022
Absolute gain
+₹73,248
+40.5%
XIRR (annualised)
4.38%
money-weighted
The journey, month by month
Worst fall on the way
-10.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,43,575
Modelled at historical FD rates. The fund trailed FD by ₹89,327.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2008) | ₹13,000 | ₹13,024 | +0.2% |
| Year 2 (7 Aug 2009) | ₹25,000 | ₹24,944 | -0.2% |
| Year 3 (9 Aug 2010) | ₹37,000 | ₹36,899 | -0.3% |
| Year 4 (8 Aug 2011) | ₹49,000 | ₹48,294 | -1.4% |
| Year 5 (7 Aug 2012) | ₹61,000 | ₹60,413 | -1% |
| Year 6 (7 Aug 2013) | ₹73,000 | ₹71,801 | -1.6% |
| Year 7 (7 Aug 2014) | ₹85,000 | ₹84,479 | -0.6% |
| Year 8 (7 Aug 2015) | ₹97,000 | ₹97,018 | +0% |
| Year 9 (8 Aug 2016) | ₹1,09,000 | ₹1,09,077 | +0.1% |
| Year 10 (7 Aug 2017) | ₹1,21,000 | ₹1,21,506 | +0.4% |
| Year 11 (7 Aug 2018) | ₹1,33,000 | ₹1,33,094 | +0.1% |
| Year 12 (7 Aug 2019) | ₹1,45,000 | ₹1,44,520 | -0.3% |
| Year 13 (7 Aug 2020) | ₹1,57,000 | ₹1,45,542 | -7.3% |
| Year 14 (9 Aug 2021) | ₹1,69,000 | ₹1,75,383 | +3.8% |
| Year 15 (7 Aug 2022) | ₹1,81,000 | ₹2,54,248 | +40.5% |
Best year of the journey: Year 15 (+35.7% market move) · Toughest year: Year 13 (-7%)
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 Low Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Franklin India Low Duration Fund - Quarterly's published NAV (source: AMFI) between 7 Aug 2007 and 7 Aug 2022; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.