₹25,000 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 ₹25,000/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
₹45,25,000
181 installments
Value today
₹45,49,265
5 Oct 2026
Absolute gain
+₹24,265
+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
₹83,66,622
Modelled at historical FD rates. The fund trailed FD by ₹38,17,357.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2012) | ₹3,25,000 | ₹3,24,808 | -0.1% |
| Year 2 (7 Oct 2013) | ₹6,25,000 | ₹5,71,092 | -8.6% |
| Year 3 (7 Oct 2014) | ₹9,25,000 | ₹9,48,170 | +2.5% |
| Year 4 (5 Oct 2015) | ₹12,25,000 | ₹12,96,822 | +5.9% |
| Year 5 (5 Oct 2016) | ₹15,25,000 | ₹16,39,859 | +7.5% |
| Year 6 (5 Oct 2017) | ₹18,25,000 | ₹18,83,036 | +3.2% |
| Year 7 (5 Oct 2018) | ₹21,25,000 | ₹21,52,591 | +1.3% |
| Year 8 (7 Oct 2019) | ₹24,25,000 | ₹25,48,782 | +5.1% |
| Year 9 (5 Oct 2020) | ₹27,25,000 | ₹28,42,731 | +4.3% |
| Year 10 (5 Oct 2021) | ₹30,25,000 | ₹31,44,806 | +4% |
| Year 11 (6 Oct 2022) | ₹33,25,000 | ₹33,68,368 | +1.3% |
| Year 12 (5 Oct 2023) | ₹36,25,000 | ₹36,72,413 | +1.3% |
| Year 13 (7 Oct 2024) | ₹39,25,000 | ₹40,38,407 | +2.9% |
| Year 14 (6 Oct 2025) | ₹42,25,000 | ₹43,07,794 | +2% |
| Year 15 (5 Oct 2026) | ₹45,25,000 | ₹45,49,265 | +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.
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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 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.