₹2,000 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 ₹2,000/month SIP on 5 Oct 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
₹4,82,000
241 installments
Value today
₹4,90,704
5 Oct 2026
Absolute gain
+₹8,704
+1.8%
XIRR (annualised)
0.18%
money-weighted
The journey, month by month
Worst fall on the way
-16.2%
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
₹11,41,139
Modelled at historical FD rates. The fund trailed FD by ₹6,50,435.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2007) | ₹26,000 | ₹25,997 | +0% |
| Year 2 (6 Oct 2008) | ₹50,000 | ₹49,915 | -0.2% |
| Year 3 (5 Oct 2009) | ₹74,000 | ₹73,631 | -0.5% |
| Year 4 (5 Oct 2010) | ₹98,000 | ₹95,398 | -2.7% |
| Year 5 (5 Oct 2011) | ₹1,22,000 | ₹1,20,024 | -1.6% |
| Year 6 (5 Oct 2012) | ₹1,46,000 | ₹1,46,503 | +0.3% |
| Year 7 (7 Oct 2013) | ₹1,70,000 | ₹1,55,125 | -8.7% |
| Year 8 (7 Oct 2014) | ₹1,94,000 | ₹1,96,721 | +1.4% |
| Year 9 (5 Oct 2015) | ₹2,18,000 | ₹2,30,755 | +5.9% |
| Year 10 (5 Oct 2016) | ₹2,42,000 | ₹2,62,003 | +8.3% |
| Year 11 (5 Oct 2017) | ₹2,66,000 | ₹2,77,178 | +4.2% |
| Year 12 (5 Oct 2018) | ₹2,90,000 | ₹2,96,706 | +2.3% |
| Year 13 (7 Oct 2019) | ₹3,14,000 | ₹3,33,835 | +6.3% |
| Year 14 (5 Oct 2020) | ₹3,38,000 | ₹3,57,276 | +5.7% |
| Year 15 (5 Oct 2021) | ₹3,62,000 | ₹3,81,543 | +5.4% |
| Year 16 (6 Oct 2022) | ₹3,86,000 | ₹3,96,372 | +2.7% |
| Year 17 (5 Oct 2023) | ₹4,10,000 | ₹4,20,916 | +2.7% |
| Year 18 (7 Oct 2024) | ₹4,34,000 | ₹4,52,426 | +4.2% |
| Year 19 (6 Oct 2025) | ₹4,58,000 | ₹4,73,118 | +3.3% |
| Year 20 (5 Oct 2026) | ₹4,82,000 | ₹4,90,704 | +1.8% |
Best year of the journey: Year 8 (+9.8% market move) · Toughest year: Year 7 (-9%)
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 5 Oct 2006 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.