₹5,000 Monthly SIP in Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option for 15 Years
If you had started a ₹5,000/month SIP on 5 Aug 2011 and never stopped — through every crash and rally — here is exactly what happened, using Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option's actual NAV for all 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹12,17,550
5 Aug 2026
Absolute gain
+₹3,12,550
+34.5%
XIRR (annualised)
3.84%
money-weighted
The journey, month by month
Worst fall on the way
-10.9%
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
₹16,79,857
Modelled at historical FD rates. The fund trailed FD by ₹4,62,307.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Aug 2012) | ₹65,000 | ₹64,959 | -0.1% |
| Year 2 (5 Aug 2013) | ₹1,25,000 | ₹1,15,630 | -7.5% |
| Year 3 (5 Aug 2014) | ₹1,85,000 | ₹1,79,737 | -2.8% |
| Year 4 (5 Aug 2015) | ₹2,45,000 | ₹2,37,349 | -3.1% |
| Year 5 (5 Aug 2016) | ₹3,05,000 | ₹3,19,866 | +4.9% |
| Year 6 (7 Aug 2017) | ₹3,65,000 | ₹3,83,846 | +5.2% |
| Year 7 (6 Aug 2018) | ₹4,25,000 | ₹4,40,773 | +3.7% |
| Year 8 (5 Aug 2019) | ₹4,85,000 | ₹5,73,332 | +18.2% |
| Year 9 (5 Aug 2020) | ₹5,45,000 | ₹6,21,876 | +14.1% |
| Year 10 (5 Aug 2021) | ₹6,05,000 | ₹6,94,212 | +14.7% |
| Year 11 (5 Aug 2022) | ₹6,65,000 | ₹7,62,442 | +14.7% |
| Year 12 (7 Aug 2023) | ₹7,25,000 | ₹8,81,723 | +21.6% |
| Year 13 (5 Aug 2024) | ₹7,85,000 | ₹10,18,818 | +29.8% |
| Year 14 (5 Aug 2025) | ₹8,45,000 | ₹11,40,198 | +34.9% |
| Year 15 (5 Aug 2026) | ₹9,05,000 | ₹12,17,550 | +34.5% |
Best year of the journey: Year 8 (+14.5% market move) · Toughest year: Year 2 (-7.5%)
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 Regular-Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 5 Aug 2011 and 5 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.