₹10,000 Monthly SIP in Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option for 10 Years
If you had started a ₹10,000/month SIP on 18 Aug 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹12,14,798
18 Aug 2026
Absolute gain
+₹4,798
+0.4%
XIRR (annualised)
0.08%
money-weighted
The journey, month by month
Worst fall on the way
-8.4%
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
₹16,84,419
Modelled at historical FD rates. The fund trailed FD by ₹4,69,621.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,28,478 | -1.2% |
| Year 2 (20 Aug 2018) | ₹2,50,000 | ₹2,46,068 | -1.6% |
| Year 3 (19 Aug 2019) | ₹3,70,000 | ₹3,85,308 | +4.1% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹4,95,605 | +1.1% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹6,18,141 | +1.3% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹7,24,955 | -0.7% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹8,48,014 | -0.2% |
| Year 8 (19 Aug 2024) | ₹9,70,000 | ₹9,83,575 | +1.4% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹10,81,433 | -0.8% |
| Year 10 (18 Aug 2026) | ₹12,10,000 | ₹12,14,798 | +0.4% |
Best year of the journey: Year 3 (+5.3% market move) · Toughest year: Year 9 (-2%)
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 18 Aug 2016 and 18 Aug 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.