₹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 18 Aug 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
₹25,00,610
18 Aug 2026
Absolute gain
+₹90,610
+3.8%
XIRR (annualised)
0.37%
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
₹57,15,287
Modelled at historical FD rates. The fund trailed FD by ₹32,14,677.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2007) | ₹1,30,000 | ₹1,32,003 | +1.5% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,45,743 | -1.7% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹3,74,196 | +1.1% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹4,79,445 | -2.2% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹6,06,141 | -0.6% |
| Year 6 (21 Aug 2012) | ₹7,30,000 | ₹7,31,970 | +0.3% |
| Year 7 (19 Aug 2013) | ₹8,50,000 | ₹7,38,408 | -13.1% |
| Year 8 (19 Aug 2014) | ₹9,70,000 | ₹9,66,490 | -0.4% |
| Year 9 (19 Aug 2015) | ₹10,90,000 | ₹11,47,664 | +5.3% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹13,57,153 | +12.2% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹14,00,407 | +5.3% |
| Year 12 (20 Aug 2018) | ₹14,50,000 | ₹14,92,802 | +3% |
| Year 13 (19 Aug 2019) | ₹15,70,000 | ₹17,06,273 | +8.7% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹17,90,013 | +5.9% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹19,17,794 | +6% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹19,98,062 | +3.5% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹21,25,760 | +3.7% |
| Year 18 (19 Aug 2024) | ₹21,70,000 | ₹22,81,779 | +5.2% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹23,53,977 | +2.8% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹25,00,610 | +3.8% |
Best year of the journey: Year 8 (+12.6% market move) · Toughest year: Year 7 (-13.3%)
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 2006 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.