₹1,000 Monthly SIP in ICICI Prudential Short Term Gilt Fund for 5 Years
If you had started a ₹1,000/month SIP on 27 May 2013 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Short Term Gilt Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹74,528
25 May 2018
Absolute gain
+₹13,528
+22.2%
XIRR (annualised)
7.88%
money-weighted
The journey, month by month
Worst fall on the way
-3.5%
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
₹74,808
Modelled at historical FD rates. The fund trailed FD by ₹280.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 May 2014) | ₹13,000 | ₹13,604 | +4.6% |
| Year 2 (25 May 2015) | ₹25,000 | ₹27,747 | +11% |
| Year 3 (25 May 2016) | ₹37,000 | ₹43,309 | +17.1% |
| Year 4 (25 May 2017) | ₹49,000 | ₹60,015 | +22.5% |
| Year 5 (25 May 2018) | ₹61,000 | ₹74,528 | +22.2% |
Best year of the journey: Year 3 (+9% market move) · Toughest year: Year 5 (3.5%)
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 Gilt funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using ICICI Prudential Short Term Gilt Fund's published NAV (source: AMFI) between 27 May 2013 and 25 May 2018; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.