₹5,000 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 ₹5,000/month SIP on 12 Sept 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
₹6,05,000
121 installments
Value today
₹6,01,607
11 Sept 2026
Absolute gain
₹-3,393
-0.6%
XIRR (annualised)
-0.11%
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
₹8,40,793
Modelled at historical FD rates. The fund trailed FD by ₹2,39,186.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹65,000 | ₹64,605 | -0.6% |
| Year 2 (11 Sept 2018) | ₹1,25,000 | ₹1,22,847 | -1.7% |
| Year 3 (11 Sept 2019) | ₹1,85,000 | ₹1,92,564 | +4.1% |
| Year 4 (11 Sept 2020) | ₹2,45,000 | ₹2,47,821 | +1.2% |
| Year 5 (13 Sept 2021) | ₹3,05,000 | ₹3,11,967 | +2.3% |
| Year 6 (12 Sept 2022) | ₹3,65,000 | ₹3,66,428 | +0.4% |
| Year 7 (11 Sept 2023) | ₹4,25,000 | ₹4,25,125 | +0% |
| Year 8 (11 Sept 2024) | ₹4,85,000 | ₹4,95,583 | +2.2% |
| Year 9 (11 Sept 2025) | ₹5,45,000 | ₹5,41,675 | -0.6% |
| Year 10 (11 Sept 2026) | ₹6,05,000 | ₹6,01,607 | -0.6% |
Best year of the journey: Year 3 (+5.3% market move) · Toughest year: Year 9 (-2.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 12 Sept 2016 and 11 Sept 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.