₹5,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 10 Years
If you had started a ₹5,000/month SIP on 19 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
₹6,05,000
121 installments
Value today
₹6,16,890
18 Sept 2026
Absolute gain
+₹11,890
+2%
XIRR (annualised)
0.39%
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
₹8,41,790
Modelled at historical FD rates. The fund trailed FD by ₹2,24,900.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹65,000 | ₹64,666 | -0.5% |
| Year 2 (18 Sept 2018) | ₹1,25,000 | ₹1,23,920 | -0.9% |
| Year 3 (18 Sept 2019) | ₹1,85,000 | ₹1,86,552 | +0.8% |
| Year 4 (18 Sept 2020) | ₹2,45,000 | ₹2,47,893 | +1.2% |
| Year 5 (20 Sept 2021) | ₹3,05,000 | ₹3,10,639 | +1.8% |
| Year 6 (19 Sept 2022) | ₹3,65,000 | ₹3,68,828 | +1% |
| Year 7 (18 Sept 2023) | ₹4,25,000 | ₹4,30,900 | +1.4% |
| Year 8 (19 Sept 2024) | ₹4,85,000 | ₹4,94,856 | +2% |
| Year 9 (18 Sept 2025) | ₹5,45,000 | ₹5,44,872 | +0% |
| Year 10 (18 Sept 2026) | ₹6,05,000 | ₹6,16,890 | +2% |
Best year of the journey: Year 10 (+2% market move) · Toughest year: Year 9 (-1.8%)
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 2016 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.