₹1,000 Monthly SIP in Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option for 5 Years
If you had started a ₹1,000/month SIP on 13 Sept 2021 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 61 installments.
You invested
₹61,000
61 installments
Value today
₹60,720
11 Sept 2026
Absolute gain
₹-280
-0.5%
XIRR (annualised)
-0.18%
money-weighted
The journey, month by month
Worst fall on the way
-3.3%
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
₹71,610
Modelled at historical FD rates. The fund trailed FD by ₹10,890.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹13,000 | ₹13,068 | +0.5% |
| Year 2 (11 Sept 2023) | ₹25,000 | ₹25,075 | +0.3% |
| Year 3 (11 Sept 2024) | ₹37,000 | ₹37,887 | +2.4% |
| Year 4 (11 Sept 2025) | ₹49,000 | ₹48,686 | -0.6% |
| Year 5 (11 Sept 2026) | ₹61,000 | ₹60,720 | -0.5% |
Best year of the journey: Year 3 (+2.2% market move) · Toughest year: Year 4 (-2.4%)
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 13 Sept 2021 and 11 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.