₹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 7 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
₹18,10,000
181 installments
Value today
₹18,37,610
7 Sept 2026
Absolute gain
+₹27,610
+1.5%
XIRR (annualised)
0.2%
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
₹33,54,847
Modelled at historical FD rates. The fund trailed FD by ₹15,17,237.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Sept 2012) | ₹1,30,000 | ₹1,30,267 | +0.2% |
| Year 2 (10 Sept 2013) | ₹2,50,000 | ₹2,28,305 | -8.7% |
| Year 3 (8 Sept 2014) | ₹3,70,000 | ₹3,75,686 | +1.5% |
| Year 4 (7 Sept 2015) | ₹4,90,000 | ₹5,15,832 | +5.3% |
| Year 5 (7 Sept 2016) | ₹6,10,000 | ₹6,87,236 | +12.7% |
| Year 6 (7 Sept 2017) | ₹7,30,000 | ₹7,63,449 | +4.6% |
| Year 7 (7 Sept 2018) | ₹8,50,000 | ₹8,64,367 | +1.7% |
| Year 8 (9 Sept 2019) | ₹9,70,000 | ₹10,47,373 | +8% |
| Year 9 (7 Sept 2020) | ₹10,90,000 | ₹11,42,214 | +4.8% |
| Year 10 (7 Sept 2021) | ₹12,10,000 | ₹12,75,652 | +5.4% |
| Year 11 (7 Sept 2022) | ₹13,30,000 | ₹13,69,789 | +3% |
| Year 12 (7 Sept 2023) | ₹14,50,000 | ₹14,90,906 | +2.8% |
| Year 13 (9 Sept 2024) | ₹15,70,000 | ₹16,36,454 | +4.2% |
| Year 14 (9 Sept 2025) | ₹16,90,000 | ₹17,20,727 | +1.8% |
| Year 15 (7 Sept 2026) | ₹18,10,000 | ₹18,37,610 | +1.5% |
Best year of the journey: Year 5 (+8.1% market move) · Toughest year: Year 2 (-8.8%)
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 7 Sept 2011 and 7 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.