₹25,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 10 Years
If you had started a ₹25,000/month SIP on 30 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
₹30,25,000
121 installments
Value today
₹30,80,007
30 Sept 2026
Absolute gain
+₹55,007
+1.8%
XIRR (annualised)
0.35%
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
₹42,17,511
Modelled at historical FD rates. The fund trailed FD by ₹11,37,504.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,50,000 | ₹3,48,193 | -0.5% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹6,49,758 | +0% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹9,29,029 | +0.4% |
| Year 4 (30 Sept 2020) | ₹12,25,000 | ₹12,26,383 | +0.1% |
| Year 5 (30 Sept 2021) | ₹15,25,000 | ₹15,34,335 | +0.6% |
| Year 6 (30 Sept 2022) | ₹18,25,000 | ₹18,41,033 | +0.9% |
| Year 7 (3 Oct 2023) | ₹21,50,000 | ₹21,61,017 | +0.5% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹24,65,301 | +1.7% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹27,26,780 | +0.1% |
| Year 10 (30 Sept 2026) | ₹30,25,000 | ₹30,80,007 | +1.8% |
Best year of the journey: Year 10 (+1.8% market move) · Toughest year: Year 9 (-1.4%)
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 30 Sept 2016 and 30 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.