₹1,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 15 Years
If you had started a ₹1,000/month SIP on 16 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA GILT FUND - MONTHLY's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹1,86,647
16 Sept 2026
Absolute gain
+₹5,647
+3.1%
XIRR (annualised)
0.41%
money-weighted
The journey, month by month
Worst fall on the way
-6.8%
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
₹3,36,070
Modelled at historical FD rates. The fund trailed FD by ₹1,49,423.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (17 Sept 2012) | ₹13,000 | ₹13,158 | +1.2% |
| Year 2 (16 Sept 2013) | ₹25,000 | ₹23,749 | -5% |
| Year 3 (16 Sept 2014) | ₹37,000 | ₹37,760 | +2.1% |
| Year 4 (16 Sept 2015) | ₹49,000 | ₹50,166 | +2.4% |
| Year 5 (16 Sept 2016) | ₹61,000 | ₹63,630 | +4.3% |
| Year 6 (18 Sept 2017) | ₹73,000 | ₹74,624 | +2.2% |
| Year 7 (17 Sept 2018) | ₹85,000 | ₹85,793 | +0.9% |
| Year 8 (16 Sept 2019) | ₹97,000 | ₹98,959 | +2% |
| Year 9 (16 Sept 2020) | ₹1,09,000 | ₹1,12,368 | +3.1% |
| Year 10 (16 Sept 2021) | ₹1,21,000 | ₹1,24,837 | +3.2% |
| Year 11 (16 Sept 2022) | ₹1,33,000 | ₹1,36,294 | +2.5% |
| Year 12 (18 Sept 2023) | ₹1,45,000 | ₹1,48,981 | +2.7% |
| Year 13 (16 Sept 2024) | ₹1,57,000 | ₹1,62,128 | +3.3% |
| Year 14 (16 Sept 2025) | ₹1,69,000 | ₹1,70,955 | +1.2% |
| Year 15 (16 Sept 2026) | ₹1,81,000 | ₹1,86,647 | +3.1% |
Best year of the journey: Year 3 (+5.6% market move) · Toughest year: Year 2 (-5.6%)
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 16 Sept 2011 and 16 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.