₹1,000 Monthly SIP in Nippon India Gilt Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option for 3 Years
If you had started a ₹1,000/month SIP on 31 Jul 2014 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Gilt Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹44,692
31 Jul 2017
Absolute gain
+₹7,692
+20.8%
XIRR (annualised)
12.35%
money-weighted
The journey, month by month
Worst fall on the way
-3.3%
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
₹41,661
Modelled at historical FD rates. The fund beat FD by ₹3,031.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (31 Jul 2015) | ₹13,000 | ₹13,736 | +5.7% |
| Year 2 (1 Aug 2016) | ₹26,000 | ₹29,597 | +13.8% |
| Year 3 (31 Jul 2017) | ₹37,000 | ₹44,692 | +20.8% |
Best year of the journey: Year 2 (+10.7% market move) · Toughest year: Year 1 (5.7%)
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 Nippon India Gilt Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option's published NAV (source: AMFI) between 31 Jul 2014 and 31 Jul 2017; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.