₹25,000 Monthly SIP in Kotak Bond-Deposit for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹33,73,197
21 Oct 2016
Absolute gain
+₹3,48,197
+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
₹46,18,237
Modelled at historical FD rates. The fund trailed FD by ₹12,45,040.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Oct 2007) | ₹3,25,000 | ₹3,39,853 | +4.6% |
| Year 2 (22 Oct 2008) | ₹6,25,000 | ₹6,30,358 | +0.9% |
| Year 3 (21 Oct 2009) | ₹9,25,000 | ₹9,33,247 | +0.9% |
| Year 4 (21 Oct 2010) | ₹12,25,000 | ₹11,91,606 | -2.7% |
| Year 5 (21 Oct 2011) | ₹15,25,000 | ₹14,90,254 | -2.3% |
| Year 6 (22 Oct 2012) | ₹18,25,000 | ₹18,34,851 | +0.5% |
| Year 7 (21 Oct 2013) | ₹21,25,000 | ₹20,16,960 | -5.1% |
| Year 8 (21 Oct 2014) | ₹24,25,000 | ₹23,10,893 | -4.7% |
| Year 9 (21 Oct 2015) | ₹27,25,000 | ₹27,34,772 | +0.4% |
| Year 10 (21 Oct 2016) | ₹30,25,000 | ₹33,73,197 | +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.
Try a different amount
Try a different duration
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.