₹2,000 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 ₹2,000/month SIP on 19 Sept 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
₹2,42,000
121 installments
Value today
₹2,40,605
18 Sept 2026
Absolute gain
₹-1,395
-0.6%
XIRR (annualised)
-0.11%
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
₹3,36,716
Modelled at historical FD rates. The fund trailed FD by ₹96,111.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹26,000 | ₹25,727 | -1% |
| Year 2 (18 Sept 2018) | ₹50,000 | ₹49,274 | -1.5% |
| Year 3 (18 Sept 2019) | ₹74,000 | ₹77,376 | +4.6% |
| Year 4 (18 Sept 2020) | ₹98,000 | ₹99,123 | +1.1% |
| Year 5 (20 Sept 2021) | ₹1,22,000 | ₹1,25,288 | +2.7% |
| Year 6 (19 Sept 2022) | ₹1,46,000 | ₹1,46,300 | +0.2% |
| Year 7 (18 Sept 2023) | ₹1,70,000 | ₹1,71,003 | +0.6% |
| Year 8 (19 Sept 2024) | ₹1,94,000 | ₹1,99,315 | +2.7% |
| Year 9 (18 Sept 2025) | ₹2,18,000 | ₹2,17,684 | -0.1% |
| Year 10 (18 Sept 2026) | ₹2,42,000 | ₹2,40,605 | -0.6% |
Best year of the journey: Year 3 (+5.6% market move) · Toughest year: Year 9 (-2.5%)
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 19 Sept 2016 and 18 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.