₹2,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 15 Years
If you had started a ₹2,000/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
₹3,62,000
181 installments
Value today
₹3,73,567
18 Sept 2026
Absolute gain
+₹11,567
+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
₹6,72,398
Modelled at historical FD rates. The fund trailed FD by ₹2,98,831.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹26,000 | ₹26,355 | +1.4% |
| Year 2 (18 Sept 2013) | ₹50,000 | ₹47,792 | -4.4% |
| Year 3 (18 Sept 2014) | ₹74,000 | ₹75,909 | +2.6% |
| Year 4 (18 Sept 2015) | ₹98,000 | ₹1,00,864 | +2.9% |
| Year 5 (19 Sept 2016) | ₹1,22,000 | ₹1,27,276 | +4.3% |
| Year 6 (18 Sept 2017) | ₹1,46,000 | ₹1,49,245 | +2.2% |
| Year 7 (18 Sept 2018) | ₹1,70,000 | ₹1,71,439 | +0.8% |
| Year 8 (18 Sept 2019) | ₹1,94,000 | ₹1,98,769 | +2.5% |
| Year 9 (18 Sept 2020) | ₹2,18,000 | ₹2,24,252 | +2.9% |
| Year 10 (20 Sept 2021) | ₹2,42,000 | ₹2,50,247 | +3.4% |
| Year 11 (19 Sept 2022) | ₹2,66,000 | ₹2,72,524 | +2.5% |
| Year 12 (18 Sept 2023) | ₹2,90,000 | ₹2,97,958 | +2.7% |
| Year 13 (19 Sept 2024) | ₹3,14,000 | ₹3,24,505 | +3.3% |
| Year 14 (18 Sept 2025) | ₹3,38,000 | ₹3,42,180 | +1.2% |
| Year 15 (18 Sept 2026) | ₹3,62,000 | ₹3,73,567 | +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.