₹1,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 10 Years
If you had started a ₹1,000/month SIP on 22 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA GILT FUND - MONTHLY's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,23,774
22 Sept 2026
Absolute gain
+₹2,774
+2.3%
XIRR (annualised)
0.45%
money-weighted
The journey, month by month
Worst fall on the way
-4.8%
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
₹1,68,472
Modelled at historical FD rates. The fund trailed FD by ₹44,698.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Sept 2017) | ₹13,000 | ₹12,892 | -0.8% |
| Year 2 (24 Sept 2018) | ₹25,000 | ₹24,815 | -0.7% |
| Year 3 (23 Sept 2019) | ₹37,000 | ₹37,054 | +0.1% |
| Year 4 (22 Sept 2020) | ₹49,000 | ₹49,617 | +1.3% |
| Year 5 (22 Sept 2021) | ₹61,000 | ₹62,145 | +1.9% |
| Year 6 (22 Sept 2022) | ₹73,000 | ₹73,597 | +0.8% |
| Year 7 (22 Sept 2023) | ₹85,000 | ₹86,198 | +1.4% |
| Year 8 (23 Sept 2024) | ₹97,000 | ₹99,016 | +2.1% |
| Year 9 (22 Sept 2025) | ₹1,09,000 | ₹1,09,085 | +0.1% |
| Year 10 (22 Sept 2026) | ₹1,21,000 | ₹1,23,774 | +2.3% |
Best year of the journey: Year 10 (+2.2% market move) · Toughest year: Year 9 (-1.7%)
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 - MONTHLY's published NAV (source: AMFI) between 22 Sept 2016 and 22 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.