₹1,000 Monthly SIP in Kotak Bond-Deposit for 10 Years
If you had started a ₹1,000/month SIP on 23 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Bond-Deposit's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,34,928
21 Oct 2016
Absolute gain
+₹13,928
+11.5%
XIRR (annualised)
2.14%
money-weighted
The journey, month by month
Worst fall on the way
-11.9%
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
₹1,84,729
Modelled at historical FD rates. The fund trailed FD by ₹49,801.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Oct 2007) | ₹13,000 | ₹13,594 | +4.6% |
| Year 2 (22 Oct 2008) | ₹25,000 | ₹25,214 | +0.9% |
| Year 3 (21 Oct 2009) | ₹37,000 | ₹37,330 | +0.9% |
| Year 4 (21 Oct 2010) | ₹49,000 | ₹47,664 | -2.7% |
| Year 5 (21 Oct 2011) | ₹61,000 | ₹59,610 | -2.3% |
| Year 6 (22 Oct 2012) | ₹73,000 | ₹73,394 | +0.5% |
| Year 7 (21 Oct 2013) | ₹85,000 | ₹80,678 | -5.1% |
| Year 8 (21 Oct 2014) | ₹97,000 | ₹92,436 | -4.7% |
| Year 9 (21 Oct 2015) | ₹1,09,000 | ₹1,09,391 | +0.4% |
| Year 10 (21 Oct 2016) | ₹1,21,000 | ₹1,34,928 | +11.5% |
Best year of the journey: Year 10 (+11.2% market move) · Toughest year: Year 7 (-5.5%)
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 Medium to Long Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Bond-Deposit's published NAV (source: AMFI) between 23 Oct 2006 and 21 Oct 2016; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.