₹2,000 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 ₹2,000/month SIP on 5 Oct 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
₹3,62,000
181 installments
Value today
₹3,63,941
5 Oct 2026
Absolute gain
+₹1,941
+0.5%
XIRR (annualised)
0.07%
money-weighted
The journey, month by month
Worst fall on the way
-10.2%
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
₹6,69,330
Modelled at historical FD rates. The fund trailed FD by ₹3,05,389.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2012) | ₹26,000 | ₹25,985 | -0.1% |
| Year 2 (7 Oct 2013) | ₹50,000 | ₹45,687 | -8.6% |
| Year 3 (7 Oct 2014) | ₹74,000 | ₹75,854 | +2.5% |
| Year 4 (5 Oct 2015) | ₹98,000 | ₹1,03,746 | +5.9% |
| Year 5 (5 Oct 2016) | ₹1,22,000 | ₹1,31,189 | +7.5% |
| Year 6 (5 Oct 2017) | ₹1,46,000 | ₹1,50,643 | +3.2% |
| Year 7 (5 Oct 2018) | ₹1,70,000 | ₹1,72,207 | +1.3% |
| Year 8 (7 Oct 2019) | ₹1,94,000 | ₹2,03,903 | +5.1% |
| Year 9 (5 Oct 2020) | ₹2,18,000 | ₹2,27,418 | +4.3% |
| Year 10 (5 Oct 2021) | ₹2,42,000 | ₹2,51,584 | +4% |
| Year 11 (6 Oct 2022) | ₹2,66,000 | ₹2,69,469 | +1.3% |
| Year 12 (5 Oct 2023) | ₹2,90,000 | ₹2,93,793 | +1.3% |
| Year 13 (7 Oct 2024) | ₹3,14,000 | ₹3,23,073 | +2.9% |
| Year 14 (6 Oct 2025) | ₹3,38,000 | ₹3,44,624 | +2% |
| Year 15 (5 Oct 2026) | ₹3,62,000 | ₹3,63,941 | +0.5% |
Best year of the journey: Year 3 (+8.8% market move) · Toughest year: Year 2 (-8.6%)
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 5 Oct 2011 and 5 Oct 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.