₹25,000 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 ₹25,000/month SIP on 18 Aug 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
₹30,25,000
121 installments
Value today
₹30,36,995
18 Aug 2026
Absolute gain
+₹11,995
+0.4%
XIRR (annualised)
0.08%
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
₹42,11,048
Modelled at historical FD rates. The fund trailed FD by ₹11,74,053.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,21,196 | -1.2% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹6,15,169 | -1.6% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹9,63,271 | +4.1% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹12,39,011 | +1.1% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹15,45,353 | +1.3% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹18,12,388 | -0.7% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹21,20,036 | -0.2% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹24,58,938 | +1.4% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹27,03,581 | -0.8% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹30,36,995 | +0.4% |
Best year of the journey: Year 3 (+5.3% market move) · Toughest year: Year 9 (-2%)
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 2016 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.