₹5,000 Monthly SIP in Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund for 3 Years
If you had started a ₹5,000/month SIP on 3 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund's actual NAV for all 36 installments.
You invested
₹1,80,000
36 installments
Value today
₹1,96,217
30 Sept 2026
Absolute gain
+₹16,217
+9%
XIRR (annualised)
5.7%
money-weighted
The journey, month by month
Worst fall on the way
-1.7%
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
₹2,00,345
Modelled at historical FD rates. The fund trailed FD by ₹4,128.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹60,000 | ₹63,783 | +6.3% |
| Year 2 (30 Sept 2025) | ₹1,20,000 | ₹1,30,876 | +9.1% |
| Year 3 (30 Sept 2026) | ₹1,80,000 | ₹1,96,217 | +9% |
Best year of the journey: Year 1 (+6.3% market move) · Toughest year: Year 3 (2.8%)
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 Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund's published NAV (source: AMFI) between 3 Oct 2023 and 30 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.