₹25,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 10 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹31,16,598
18 Aug 2026
Absolute gain
+₹91,598
+3%
XIRR (annualised)
0.59%
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
₹42,11,048
Modelled at historical FD rates. The fund trailed FD by ₹10,94,450.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,23,517 | -0.5% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹6,22,660 | -0.4% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹9,33,190 | +0.9% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹12,42,677 | +1.4% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹15,39,947 | +1% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹18,30,101 | +0.3% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹21,39,303 | +0.7% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹24,70,196 | +1.9% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹27,08,482 | -0.6% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹31,16,598 | +3% |
Best year of the journey: Year 10 (+3.6% market move) · Toughest year: Year 9 (-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.
Try a different amount
Try a different duration
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 2016 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.