₹5,000 Monthly SIP in Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment) for 15 Years
If you had started a ₹5,000/month SIP on 3 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)'s actual NAV for all 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹19,99,883
1 Oct 2026
Absolute gain
+₹10,94,883
+121%
XIRR (annualised)
9.97%
money-weighted
The journey, month by month
Worst fall on the way
-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
₹16,67,591
Modelled at historical FD rates. The fund beat FD by ₹3,32,292.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹25,000 | ₹24,586 | -1.7% |
| Year 2 (1 Oct 2013) | ₹85,000 | ₹88,988 | +4.7% |
| Year 3 (1 Oct 2014) | ₹1,45,000 | ₹1,59,536 | +10% |
| Year 4 (1 Oct 2015) | ₹2,05,000 | ₹2,35,964 | +15.1% |
| Year 5 (3 Oct 2016) | ₹2,65,000 | ₹3,18,672 | +20.3% |
| Year 6 (23 Mar 2018) | ₹3,20,000 | ₹6,48,835 | +102.8% |
| Year 7 (1 Oct 2018) | ₹3,55,000 | ₹7,04,546 | +98.5% |
| Year 8 (1 Oct 2019) | ₹4,15,000 | ₹8,32,989 | +100.7% |
| Year 9 (1 Oct 2020) | ₹4,75,000 | ₹9,62,914 | +102.7% |
| Year 10 (1 Oct 2021) | ₹5,35,000 | ₹10,62,234 | +98.5% |
| Year 11 (3 Oct 2022) | ₹5,95,000 | ₹11,58,137 | +94.6% |
| Year 12 (3 Oct 2023) | ₹6,55,000 | ₹12,98,305 | +98.2% |
| Year 13 (1 Oct 2024) | ₹7,15,000 | ₹14,55,991 | +103.6% |
| Year 14 (1 Oct 2025) | ₹7,75,000 | ₹16,27,832 | +110% |
| Year 15 (1 Oct 2026) | ₹8,35,000 | ₹17,81,404 | +113.3% |
Best year of the journey: Year 6 (+73.6% market move) · Toughest year: Year 1 (-1.7%)
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 Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)'s published NAV (source: AMFI) between 3 Oct 2011 and 1 Oct 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.