₹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 18 Aug 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
₹62,51,526
18 Aug 2026
Absolute gain
+₹2,26,526
+3.8%
XIRR (annualised)
0.37%
money-weighted
The journey, month by month
Worst fall on the way
-16.3%
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
₹1,42,88,217
Modelled at historical FD rates. The fund trailed FD by ₹80,36,691.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2007) | ₹3,25,000 | ₹3,30,009 | +1.5% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹6,14,358 | -1.7% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹9,35,491 | +1.1% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹11,98,614 | -2.2% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹15,15,352 | -0.6% |
| Year 6 (21 Aug 2012) | ₹18,25,000 | ₹18,29,926 | +0.3% |
| Year 7 (19 Aug 2013) | ₹21,25,000 | ₹18,46,020 | -13.1% |
| Year 8 (19 Aug 2014) | ₹24,25,000 | ₹24,16,224 | -0.4% |
| Year 9 (19 Aug 2015) | ₹27,25,000 | ₹28,69,161 | +5.3% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹33,92,884 | +12.2% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹35,01,016 | +5.3% |
| Year 12 (20 Aug 2018) | ₹36,25,000 | ₹37,32,005 | +3% |
| Year 13 (19 Aug 2019) | ₹39,25,000 | ₹42,65,683 | +8.7% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹44,75,032 | +5.9% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹47,94,485 | +6% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹49,95,156 | +3.5% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹53,14,400 | +3.7% |
| Year 18 (19 Aug 2024) | ₹54,25,000 | ₹57,04,447 | +5.2% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹58,84,943 | +2.8% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹62,51,526 | +3.8% |
Best year of the journey: Year 8 (+12.6% market move) · Toughest year: Year 7 (-13.3%)
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 2006 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.