₹1,000 Monthly SIP in Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option for 20 Years
If you had started a ₹1,000/month SIP on 25 Sept 2006 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 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹2,46,363
24 Sept 2026
Absolute gain
+₹5,363
+2.2%
XIRR (annualised)
0.22%
money-weighted
The journey, month by month
Worst fall on the way
-16.3%
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
₹5,72,546
Modelled at historical FD rates. The fund trailed FD by ₹3,26,183.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Sept 2007) | ₹13,000 | ₹13,013 | +0.1% |
| Year 2 (24 Sept 2008) | ₹25,000 | ₹24,811 | -0.8% |
| Year 3 (24 Sept 2009) | ₹37,000 | ₹36,878 | -0.3% |
| Year 4 (24 Sept 2010) | ₹49,000 | ₹47,887 | -2.3% |
| Year 5 (26 Sept 2011) | ₹61,000 | ₹60,387 | -1% |
| Year 6 (24 Sept 2012) | ₹73,000 | ₹72,792 | -0.3% |
| Year 7 (24 Sept 2013) | ₹85,000 | ₹76,391 | -10.1% |
| Year 8 (24 Sept 2014) | ₹97,000 | ₹97,997 | +1% |
| Year 9 (24 Sept 2015) | ₹1,09,000 | ₹1,13,544 | +4.2% |
| Year 10 (26 Sept 2016) | ₹1,21,000 | ₹1,30,025 | +7.5% |
| Year 11 (25 Sept 2017) | ₹1,33,000 | ₹1,39,531 | +4.9% |
| Year 12 (24 Sept 2018) | ₹1,45,000 | ₹1,47,872 | +2% |
| Year 13 (24 Sept 2019) | ₹1,57,000 | ₹1,65,351 | +5.3% |
| Year 14 (24 Sept 2020) | ₹1,69,000 | ₹1,78,595 | +5.7% |
| Year 15 (24 Sept 2021) | ₹1,81,000 | ₹1,90,629 | +5.3% |
| Year 16 (26 Sept 2022) | ₹1,93,000 | ₹1,97,698 | +2.4% |
| Year 17 (25 Sept 2023) | ₹2,05,000 | ₹2,10,862 | +2.9% |
| Year 18 (24 Sept 2024) | ₹2,17,000 | ₹2,27,217 | +4.7% |
| Year 19 (24 Sept 2025) | ₹2,29,000 | ₹2,34,017 | +2.2% |
| Year 20 (24 Sept 2026) | ₹2,41,000 | ₹2,46,363 | +2.2% |
Best year of the journey: Year 8 (+10.9% market move) · Toughest year: Year 7 (-9.9%)
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 25 Sept 2006 and 24 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.