₹10,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 10 Years
If you had started a ₹10,000/month SIP on 26 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
₹12,10,000
121 installments
Value today
₹12,34,346
24 Sept 2026
Absolute gain
+₹24,346
+2%
XIRR (annualised)
0.39%
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
₹16,85,285
Modelled at historical FD rates. The fund trailed FD by ₹4,50,939.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹1,30,000 | ₹1,29,176 | -0.6% |
| Year 2 (24 Sept 2018) | ₹2,50,000 | ₹2,48,103 | -0.8% |
| Year 3 (24 Sept 2019) | ₹3,70,000 | ₹3,69,837 | +0% |
| Year 4 (24 Sept 2020) | ₹4,90,000 | ₹4,96,405 | +1.3% |
| Year 5 (24 Sept 2021) | ₹6,10,000 | ₹6,19,931 | +1.6% |
| Year 6 (26 Sept 2022) | ₹7,30,000 | ₹7,33,985 | +0.5% |
| Year 7 (25 Sept 2023) | ₹8,50,000 | ₹8,62,186 | +1.4% |
| Year 8 (24 Sept 2024) | ₹9,70,000 | ₹9,91,130 | +2.2% |
| Year 9 (24 Sept 2025) | ₹10,90,000 | ₹10,90,986 | +0.1% |
| Year 10 (24 Sept 2026) | ₹12,10,000 | ₹12,34,346 | +2% |
Best year of the journey: Year 10 (+1.9% market move) · Toughest year: Year 9 (-1.8%)
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 26 Sept 2016 and 24 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.