₹10,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 5 Years
If you had started a ₹10,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA GILT FUND - MONTHLY's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,25,167
18 Aug 2026
Absolute gain
+₹15,167
+2.5%
XIRR (annualised)
0.97%
money-weighted
The journey, month by month
Worst fall on the way
-2.6%
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
₹7,16,147
Modelled at historical FD rates. The fund trailed FD by ₹90,980.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,30,000 | ₹1,30,296 | +0.2% |
| Year 2 (18 Aug 2023) | ₹2,50,000 | ₹2,50,755 | +0.3% |
| Year 3 (19 Aug 2024) | ₹3,70,000 | ₹3,75,150 | +1.4% |
| Year 4 (18 Aug 2025) | ₹4,90,000 | ₹4,84,163 | -1.2% |
| Year 5 (18 Aug 2026) | ₹6,10,000 | ₹6,25,167 | +2.5% |
Best year of the journey: Year 5 (+3.5% market move) · Toughest year: Year 4 (-2.2%)
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 18 Aug 2021 and 18 Aug 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.