₹25,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹46,69,584
18 Sept 2026
Absolute gain
+₹1,44,584
+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
₹84,04,979
Modelled at historical FD rates. The fund trailed FD by ₹37,35,395.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹3,25,000 | ₹3,29,432 | +1.4% |
| Year 2 (18 Sept 2013) | ₹6,25,000 | ₹5,97,395 | -4.4% |
| Year 3 (18 Sept 2014) | ₹9,25,000 | ₹9,48,865 | +2.6% |
| Year 4 (18 Sept 2015) | ₹12,25,000 | ₹12,60,804 | +2.9% |
| Year 5 (19 Sept 2016) | ₹15,25,000 | ₹15,90,951 | +4.3% |
| Year 6 (18 Sept 2017) | ₹18,25,000 | ₹18,65,557 | +2.2% |
| Year 7 (18 Sept 2018) | ₹21,25,000 | ₹21,42,982 | +0.8% |
| Year 8 (18 Sept 2019) | ₹24,25,000 | ₹24,84,613 | +2.5% |
| Year 9 (18 Sept 2020) | ₹27,25,000 | ₹28,03,148 | +2.9% |
| Year 10 (20 Sept 2021) | ₹30,25,000 | ₹31,28,086 | +3.4% |
| Year 11 (19 Sept 2022) | ₹33,25,000 | ₹34,06,546 | +2.5% |
| Year 12 (18 Sept 2023) | ₹36,25,000 | ₹37,24,481 | +2.7% |
| Year 13 (19 Sept 2024) | ₹39,25,000 | ₹40,56,316 | +3.3% |
| Year 14 (18 Sept 2025) | ₹42,25,000 | ₹42,77,250 | +1.2% |
| Year 15 (18 Sept 2026) | ₹45,25,000 | ₹46,69,584 | +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.