₹10,000 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 ₹10,000/month SIP on 11 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
₹24,10,000
241 installments
Value today
₹24,78,424
9 Sept 2026
Absolute gain
+₹68,424
+2.8%
XIRR (annualised)
0.28%
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
₹57,08,154
Modelled at historical FD rates. The fund trailed FD by ₹32,29,730.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Sept 2007) | ₹1,30,000 | ₹1,32,634 | +2% |
| Year 2 (9 Sept 2008) | ₹2,50,000 | ₹2,53,132 | +1.3% |
| Year 3 (9 Sept 2009) | ₹3,70,000 | ₹3,74,946 | +1.3% |
| Year 4 (9 Sept 2010) | ₹4,90,000 | ₹4,80,454 | -1.9% |
| Year 5 (9 Sept 2011) | ₹6,10,000 | ₹6,07,725 | -0.4% |
| Year 6 (10 Sept 2012) | ₹7,30,000 | ₹7,35,350 | +0.7% |
| Year 7 (10 Sept 2013) | ₹8,50,000 | ₹7,77,331 | -8.5% |
| Year 8 (9 Sept 2014) | ₹9,70,000 | ₹9,73,071 | +0.3% |
| Year 9 (9 Sept 2015) | ₹10,90,000 | ₹11,49,695 | +5.5% |
| Year 10 (9 Sept 2016) | ₹12,10,000 | ₹13,71,453 | +13.3% |
| Year 11 (11 Sept 2017) | ₹13,30,000 | ₹14,02,195 | +5.4% |
| Year 12 (10 Sept 2018) | ₹14,50,000 | ₹14,86,585 | +2.5% |
| Year 13 (9 Sept 2019) | ₹15,70,000 | ₹17,14,154 | +9.2% |
| Year 14 (9 Sept 2020) | ₹16,90,000 | ₹17,92,097 | +6% |
| Year 15 (9 Sept 2021) | ₹18,10,000 | ₹19,34,359 | +6.9% |
| Year 16 (9 Sept 2022) | ₹19,30,000 | ₹20,16,915 | +4.5% |
| Year 17 (11 Sept 2023) | ₹20,50,000 | ₹21,29,359 | +3.9% |
| Year 18 (9 Sept 2024) | ₹21,70,000 | ₹22,91,237 | +5.6% |
| Year 19 (9 Sept 2025) | ₹22,90,000 | ₹23,61,992 | +3.1% |
| Year 20 (9 Sept 2026) | ₹24,10,000 | ₹24,78,424 | +2.8% |
Best year of the journey: Year 8 (+8.4% market move) · Toughest year: Year 7 (-9.1%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 11 Sept 2006 and 9 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.