₹5,000 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 ₹5,000/month SIP on 8 Sept 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
₹9,05,000
181 installments
Value today
₹9,19,106
8 Sept 2026
Absolute gain
+₹14,106
+1.6%
XIRR (annualised)
0.21%
money-weighted
The journey, month by month
Worst fall on the way
-10.5%
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
₹16,77,748
Modelled at historical FD rates. The fund trailed FD by ₹7,58,642.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Sept 2012) | ₹65,000 | ₹65,242 | +0.4% |
| Year 2 (10 Sept 2013) | ₹1,25,000 | ₹1,14,149 | -8.7% |
| Year 3 (8 Sept 2014) | ₹1,85,000 | ₹1,87,839 | +1.5% |
| Year 4 (8 Sept 2015) | ₹2,45,000 | ₹2,58,405 | +5.5% |
| Year 5 (8 Sept 2016) | ₹3,05,000 | ₹3,43,682 | +12.7% |
| Year 6 (8 Sept 2017) | ₹3,65,000 | ₹3,81,313 | +4.5% |
| Year 7 (10 Sept 2018) | ₹4,25,000 | ₹4,31,500 | +1.5% |
| Year 8 (9 Sept 2019) | ₹4,85,000 | ₹5,23,683 | +8% |
| Year 9 (8 Sept 2020) | ₹5,45,000 | ₹5,68,525 | +4.3% |
| Year 10 (8 Sept 2021) | ₹6,05,000 | ₹6,37,649 | +5.4% |
| Year 11 (8 Sept 2022) | ₹6,65,000 | ₹6,85,398 | +3.1% |
| Year 12 (8 Sept 2023) | ₹7,25,000 | ₹7,44,639 | +2.7% |
| Year 13 (9 Sept 2024) | ₹7,85,000 | ₹8,18,223 | +4.2% |
| Year 14 (9 Sept 2025) | ₹8,45,000 | ₹8,60,360 | +1.8% |
| Year 15 (8 Sept 2026) | ₹9,05,000 | ₹9,19,106 | +1.6% |
Best year of the journey: Year 5 (+7.9% market move) · Toughest year: Year 2 (-8.9%)
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 8 Sept 2011 and 8 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.