₹25,000 Monthly SIP in Kotak Gilt-Investment Provident Fund and Trust-Payout of Income Distribution cum capital withdrawal option for 5 Years
If you had started a ₹25,000/month SIP on 5 Oct 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹15,06,174
5 Oct 2026
Absolute gain
₹-18,826
-1.2%
XIRR (annualised)
-0.49%
money-weighted
The journey, month by month
Worst fall on the way
-3.3%
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
₹17,90,151
Modelled at historical FD rates. The fund trailed FD by ₹2,83,977.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹3,25,000 | ₹3,21,915 | -0.9% |
| Year 2 (5 Oct 2023) | ₹6,25,000 | ₹6,20,668 | -0.7% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹9,33,121 | +0.9% |
| Year 4 (6 Oct 2025) | ₹12,25,000 | ₹12,23,127 | -0.2% |
| Year 5 (5 Oct 2026) | ₹15,25,000 | ₹15,06,174 | -1.2% |
Best year of the journey: Year 3 (+1.4% market move) · Toughest year: Year 5 (-1.1%)
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 2021 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.