₹5,000 Monthly SIP in NIPPON INDIA GILT FUND - MONTHLY for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹9,33,917
18 Sept 2026
Absolute gain
+₹28,917
+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
₹16,80,996
Modelled at historical FD rates. The fund trailed FD by ₹7,47,079.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹65,000 | ₹65,886 | +1.4% |
| Year 2 (18 Sept 2013) | ₹1,25,000 | ₹1,19,479 | -4.4% |
| Year 3 (18 Sept 2014) | ₹1,85,000 | ₹1,89,773 | +2.6% |
| Year 4 (18 Sept 2015) | ₹2,45,000 | ₹2,52,161 | +2.9% |
| Year 5 (19 Sept 2016) | ₹3,05,000 | ₹3,18,190 | +4.3% |
| Year 6 (18 Sept 2017) | ₹3,65,000 | ₹3,73,111 | +2.2% |
| Year 7 (18 Sept 2018) | ₹4,25,000 | ₹4,28,596 | +0.8% |
| Year 8 (18 Sept 2019) | ₹4,85,000 | ₹4,96,923 | +2.5% |
| Year 9 (18 Sept 2020) | ₹5,45,000 | ₹5,60,630 | +2.9% |
| Year 10 (20 Sept 2021) | ₹6,05,000 | ₹6,25,617 | +3.4% |
| Year 11 (19 Sept 2022) | ₹6,65,000 | ₹6,81,309 | +2.5% |
| Year 12 (18 Sept 2023) | ₹7,25,000 | ₹7,44,896 | +2.7% |
| Year 13 (19 Sept 2024) | ₹7,85,000 | ₹8,11,263 | +3.3% |
| Year 14 (18 Sept 2025) | ₹8,45,000 | ₹8,55,450 | +1.2% |
| Year 15 (18 Sept 2026) | ₹9,05,000 | ₹9,33,917 | +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.