₹10,000 Monthly SIP in Motilal Oswal 5 Year G-Sec Fund Of Fund Regular for 5 Years
If you had started a ₹10,000/month SIP on 6 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using Motilal Oswal 5 Year G-Sec Fund Of Fund Regular's actual NAV for all 59 installments.
You invested
₹5,90,000
59 installments
Value today
₹7,00,754
18 Aug 2026
Absolute gain
+₹1,10,754
+18.8%
XIRR (annualised)
7.04%
money-weighted
The journey, month by month
Worst fall on the way
-13.8%
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
₹6,90,149
Modelled at historical FD rates. The fund beat FD by ₹10,605.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,10,000 | ₹1,10,967 | +0.9% |
| Year 2 (18 Aug 2023) | ₹2,30,000 | ₹2,40,639 | +4.6% |
| Year 3 (19 Aug 2024) | ₹3,50,000 | ₹3,87,760 | +10.8% |
| Year 4 (18 Aug 2025) | ₹4,70,000 | ₹5,43,835 | +15.7% |
| Year 5 (18 Aug 2026) | ₹5,90,000 | ₹7,00,754 | +18.8% |
Best year of the journey: Year 3 (+7.5% market move) · Toughest year: Year 1 (0.9%)
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 Fund of Funds funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Motilal Oswal 5 Year G-Sec Fund Of Fund Regular's published NAV (source: AMFI) between 6 Oct 2021 and 18 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.