₹25,000 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 ₹25,000/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
₹60,25,000
241 installments
Value today
₹61,33,798
5 Oct 2026
Absolute gain
+₹1,08,798
+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
₹1,42,64,234
Modelled at historical FD rates. The fund trailed FD by ₹81,30,436.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2007) | ₹3,25,000 | ₹3,24,959 | +0% |
| Year 2 (6 Oct 2008) | ₹6,25,000 | ₹6,23,937 | -0.2% |
| Year 3 (5 Oct 2009) | ₹9,25,000 | ₹9,20,389 | -0.5% |
| Year 4 (5 Oct 2010) | ₹12,25,000 | ₹11,92,478 | -2.7% |
| Year 5 (5 Oct 2011) | ₹15,25,000 | ₹15,00,297 | -1.6% |
| Year 6 (5 Oct 2012) | ₹18,25,000 | ₹18,31,283 | +0.3% |
| Year 7 (7 Oct 2013) | ₹21,25,000 | ₹19,39,067 | -8.7% |
| Year 8 (7 Oct 2014) | ₹24,25,000 | ₹24,59,015 | +1.4% |
| Year 9 (5 Oct 2015) | ₹27,25,000 | ₹28,84,437 | +5.9% |
| Year 10 (5 Oct 2016) | ₹30,25,000 | ₹32,75,034 | +8.3% |
| Year 11 (5 Oct 2017) | ₹33,25,000 | ₹34,64,719 | +4.2% |
| Year 12 (5 Oct 2018) | ₹36,25,000 | ₹37,08,824 | +2.3% |
| Year 13 (7 Oct 2019) | ₹39,25,000 | ₹41,72,935 | +6.3% |
| Year 14 (5 Oct 2020) | ₹42,25,000 | ₹44,65,948 | +5.7% |
| Year 15 (5 Oct 2021) | ₹45,25,000 | ₹47,69,285 | +5.4% |
| Year 16 (6 Oct 2022) | ₹48,25,000 | ₹49,54,653 | +2.7% |
| Year 17 (5 Oct 2023) | ₹51,25,000 | ₹52,61,452 | +2.7% |
| Year 18 (7 Oct 2024) | ₹54,25,000 | ₹56,55,326 | +4.2% |
| Year 19 (6 Oct 2025) | ₹57,25,000 | ₹59,13,977 | +3.3% |
| Year 20 (5 Oct 2026) | ₹60,25,000 | ₹61,33,798 | +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.