₹10,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 15 Years
If you had started a ₹10,000/month SIP on 19 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
₹18,10,000
181 installments
Value today
₹18,67,834
18 Sept 2026
Absolute gain
+₹57,834
+3.2%
XIRR (annualised)
0.42%
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
₹33,61,991
Modelled at historical FD rates. The fund trailed FD by ₹14,94,157.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹1,30,000 | ₹1,31,773 | +1.4% |
| Year 2 (18 Sept 2013) | ₹2,50,000 | ₹2,38,958 | -4.4% |
| Year 3 (18 Sept 2014) | ₹3,70,000 | ₹3,79,546 | +2.6% |
| Year 4 (18 Sept 2015) | ₹4,90,000 | ₹5,04,321 | +2.9% |
| Year 5 (19 Sept 2016) | ₹6,10,000 | ₹6,36,380 | +4.3% |
| Year 6 (18 Sept 2017) | ₹7,30,000 | ₹7,46,223 | +2.2% |
| Year 7 (18 Sept 2018) | ₹8,50,000 | ₹8,57,193 | +0.8% |
| Year 8 (18 Sept 2019) | ₹9,70,000 | ₹9,93,845 | +2.5% |
| Year 9 (18 Sept 2020) | ₹10,90,000 | ₹11,21,259 | +2.9% |
| Year 10 (20 Sept 2021) | ₹12,10,000 | ₹12,51,234 | +3.4% |
| Year 11 (19 Sept 2022) | ₹13,30,000 | ₹13,62,619 | +2.5% |
| Year 12 (18 Sept 2023) | ₹14,50,000 | ₹14,89,792 | +2.7% |
| Year 13 (19 Sept 2024) | ₹15,70,000 | ₹16,22,526 | +3.3% |
| Year 14 (18 Sept 2025) | ₹16,90,000 | ₹17,10,900 | +1.2% |
| Year 15 (18 Sept 2026) | ₹18,10,000 | ₹18,67,834 | +3.2% |
Best year of the journey: Year 3 (+5.7% market move) · Toughest year: Year 2 (-5.1%)
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 - MONTHLY's published NAV (source: AMFI) between 19 Sept 2011 and 18 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.