₹5,000 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 ₹5,000/month SIP on 25 Sept 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
₹12,05,000
241 installments
Value today
₹12,31,215
25 Sept 2026
Absolute gain
+₹26,215
+2.2%
XIRR (annualised)
0.21%
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
₹28,63,310
Modelled at historical FD rates. The fund trailed FD by ₹16,32,095.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2007) | ₹65,000 | ₹64,961 | -0.1% |
| Year 2 (25 Sept 2008) | ₹1,25,000 | ₹1,24,104 | -0.7% |
| Year 3 (25 Sept 2009) | ₹1,85,000 | ₹1,83,983 | -0.5% |
| Year 4 (27 Sept 2010) | ₹2,45,000 | ₹2,39,549 | -2.2% |
| Year 5 (26 Sept 2011) | ₹3,05,000 | ₹3,01,937 | -1% |
| Year 6 (25 Sept 2012) | ₹3,65,000 | ₹3,63,657 | -0.4% |
| Year 7 (25 Sept 2013) | ₹4,25,000 | ₹3,82,369 | -10% |
| Year 8 (25 Sept 2014) | ₹4,85,000 | ₹4,90,100 | +1.1% |
| Year 9 (28 Sept 2015) | ₹5,45,000 | ₹5,67,665 | +4.2% |
| Year 10 (26 Sept 2016) | ₹6,05,000 | ₹6,50,124 | +7.5% |
| Year 11 (25 Sept 2017) | ₹6,65,000 | ₹6,97,653 | +4.9% |
| Year 12 (25 Sept 2018) | ₹7,25,000 | ₹7,39,391 | +2% |
| Year 13 (25 Sept 2019) | ₹7,85,000 | ₹8,27,158 | +5.4% |
| Year 14 (25 Sept 2020) | ₹8,45,000 | ₹8,90,762 | +5.4% |
| Year 15 (27 Sept 2021) | ₹9,05,000 | ₹9,52,873 | +5.3% |
| Year 16 (26 Sept 2022) | ₹9,65,000 | ₹9,88,489 | +2.4% |
| Year 17 (25 Sept 2023) | ₹10,25,000 | ₹10,54,312 | +2.9% |
| Year 18 (25 Sept 2024) | ₹10,85,000 | ₹11,40,447 | +5.1% |
| Year 19 (25 Sept 2025) | ₹11,45,000 | ₹11,70,685 | +2.2% |
| Year 20 (25 Sept 2026) | ₹12,05,000 | ₹12,31,215 | +2.2% |
Best year of the journey: Year 8 (+10.8% market move) · Toughest year: Year 7 (-9.7%)
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 25 Sept 2006 and 25 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.