₹10,000 Monthly SIP in Nippon India Gilt Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option for 5 Years
If you had started a ₹10,000/month SIP on 31 Jul 2012 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹8,24,021
31 Jul 2017
Absolute gain
+₹2,14,021
+35.1%
XIRR (annualised)
11.8%
money-weighted
The journey, month by month
Worst fall on the way
-6.2%
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
₹7,56,453
Modelled at historical FD rates. The fund beat FD by ₹67,568.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (31 Jul 2013) | ₹1,30,000 | ₹1,32,671 | +2.1% |
| Year 2 (31 Jul 2014) | ₹2,50,000 | ₹2,71,444 | +8.6% |
| Year 3 (31 Jul 2015) | ₹3,70,000 | ₹4,34,985 | +17.6% |
| Year 4 (1 Aug 2016) | ₹5,00,000 | ₹6,32,970 | +26.6% |
| Year 5 (31 Jul 2017) | ₹6,10,000 | ₹8,24,021 | +35.1% |
Best year of the journey: Year 4 (+12% market move) · Toughest year: Year 1 (2.1%)
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 2012 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.