₹25,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 15 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹45,25,000
181 installments
Value today
₹47,19,451
18 Aug 2026
Absolute gain
+₹1,94,451
+4.3%
XIRR (annualised)
0.56%
money-weighted
The journey, month by month
Worst fall on the way
-7%
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
₹84,20,509
Modelled at historical FD rates. The fund trailed FD by ₹37,01,058.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹3,25,000 | ₹3,27,817 | +0.9% |
| Year 2 (19 Aug 2013) | ₹6,25,000 | ₹5,61,066 | -10.2% |
| Year 3 (19 Aug 2014) | ₹9,25,000 | ₹9,35,943 | +1.2% |
| Year 4 (19 Aug 2015) | ₹12,25,000 | ₹12,57,126 | +2.6% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹16,05,016 | +5.2% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹18,69,552 | +2.4% |
| Year 7 (20 Aug 2018) | ₹21,25,000 | ₹21,56,646 | +1.5% |
| Year 8 (19 Aug 2019) | ₹24,25,000 | ₹24,87,475 | +2.6% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹28,11,712 | +3.2% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹31,02,839 | +2.6% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹33,82,072 | +1.7% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹36,99,583 | +2.1% |
| Year 13 (19 Aug 2024) | ₹39,25,000 | ₹40,51,014 | +3.2% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹42,53,968 | +0.7% |
| Year 15 (18 Aug 2026) | ₹45,25,000 | ₹47,19,451 | +4.3% |
Best year of the journey: Year 3 (+8.7% market move) · Toughest year: Year 2 (-10.6%)
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 2011 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.