₹25,000 Monthly SIP in Motilal Oswal 5 Year G-Sec Fund Of Fund Regular for 5 Years
If you had started a ₹25,000/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
₹14,75,000
59 installments
Value today
₹17,51,884
18 Aug 2026
Absolute gain
+₹2,76,884
+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
₹17,25,374
Modelled at historical FD rates. The fund beat FD by ₹26,510.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹2,75,000 | ₹2,77,418 | +0.9% |
| Year 2 (18 Aug 2023) | ₹5,75,000 | ₹6,01,596 | +4.6% |
| Year 3 (19 Aug 2024) | ₹8,75,000 | ₹9,69,400 | +10.8% |
| Year 4 (18 Aug 2025) | ₹11,75,000 | ₹13,59,588 | +15.7% |
| Year 5 (18 Aug 2026) | ₹14,75,000 | ₹17,51,884 | +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.