₹10,000 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 ₹10,000/month SIP on 18 Aug 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
₹18,10,000
181 installments
Value today
₹18,54,981
18 Aug 2026
Absolute gain
+₹44,981
+2.5%
XIRR (annualised)
0.32%
money-weighted
The journey, month by month
Worst fall on the way
-10.9%
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
₹33,68,204
Modelled at historical FD rates. The fund trailed FD by ₹15,13,223.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,30,009 | +0% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,16,350 | -13.5% |
| Year 3 (19 Aug 2014) | ₹3,70,000 | ₹3,72,727 | +0.7% |
| Year 4 (19 Aug 2015) | ₹4,90,000 | ₹5,16,640 | +5.4% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹6,80,724 | +11.6% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹7,61,749 | +4.3% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹8,66,794 | +2% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹10,42,993 | +7.5% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹11,40,067 | +4.6% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹12,65,215 | +4.6% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹13,58,813 | +2.2% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹14,84,181 | +2.4% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹16,29,928 | +3.8% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹17,15,010 | +1.5% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹18,54,981 | +2.5% |
Best year of the journey: Year 3 (+10.8% market move) · Toughest year: Year 2 (-13.5%)
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 2011 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.