₹1,000 Monthly SIP in Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option for 15 Years
If you had started a ₹1,000/month SIP on 28 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹1,82,008
28 Sept 2026
Absolute gain
+₹1,008
+0.6%
XIRR (annualised)
0.07%
money-weighted
The journey, month by month
Worst fall on the way
-10.5%
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
₹3,36,852
Modelled at historical FD rates. The fund trailed FD by ₹1,54,844.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2012) | ₹13,000 | ₹12,978 | -0.2% |
| Year 2 (30 Sept 2013) | ₹25,000 | ₹22,554 | -9.8% |
| Year 3 (29 Sept 2014) | ₹37,000 | ₹37,821 | +2.2% |
| Year 4 (28 Sept 2015) | ₹49,000 | ₹51,076 | +4.2% |
| Year 5 (28 Sept 2016) | ₹61,000 | ₹65,335 | +7.1% |
| Year 6 (28 Sept 2017) | ₹73,000 | ₹75,652 | +3.6% |
| Year 7 (28 Sept 2018) | ₹85,000 | ₹85,949 | +1.1% |
| Year 8 (30 Sept 2019) | ₹97,000 | ₹1,01,651 | +4.8% |
| Year 9 (28 Sept 2020) | ₹1,09,000 | ₹1,13,244 | +3.9% |
| Year 10 (28 Sept 2021) | ₹1,21,000 | ₹1,25,799 | +4% |
| Year 11 (28 Sept 2022) | ₹1,33,000 | ₹1,34,613 | +1.2% |
| Year 12 (29 Sept 2023) | ₹1,45,000 | ₹1,46,920 | +1.3% |
| Year 13 (30 Sept 2024) | ₹1,57,000 | ₹1,62,783 | +3.7% |
| Year 14 (30 Sept 2025) | ₹1,69,000 | ₹1,70,581 | +0.9% |
| Year 15 (28 Sept 2026) | ₹1,81,000 | ₹1,82,008 | +0.6% |
Best year of the journey: Year 3 (+9.5% market move) · Toughest year: Year 2 (-9.7%)
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 Gilt funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 28 Sept 2011 and 28 Sept 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.