₹25,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 3 Years
If you had started a ₹25,000/month SIP on 25 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA GILT FUND - MONTHLY's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹9,34,462
25 Sept 2026
Absolute gain
+₹9,462
+1%
XIRR (annualised)
0.65%
money-weighted
The journey, month by month
Worst fall on the way
-2.6%
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
₹10,31,427
Modelled at historical FD rates. The fund trailed FD by ₹96,965.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2024) | ₹3,25,000 | ₹3,29,777 | +1.5% |
| Year 2 (25 Sept 2025) | ₹6,25,000 | ₹6,19,152 | -0.9% |
| Year 3 (25 Sept 2026) | ₹9,25,000 | ₹9,34,462 | +1% |
Best year of the journey: Year 3 (+1.7% market move) · Toughest year: Year 2 (-1.7%)
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 25 Sept 2023 and 25 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.