₹1,000 Monthly SIP in Nippon India Gilt Fund -P F Option-Automatic Annual Reinvest Option for 3 Years
If you had started a ₹1,000/month SIP on 18 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Gilt Fund -P F Option-Automatic Annual Reinvest Option's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹40,074
18 Aug 2026
Absolute gain
+₹3,074
+8.3%
XIRR (annualised)
5.24%
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
₹41,202
Modelled at historical FD rates. The fund trailed FD by ₹1,128.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹13,000 | ₹13,717 | +5.5% |
| Year 2 (18 Aug 2025) | ₹25,000 | ₹26,434 | +5.7% |
| Year 3 (18 Aug 2026) | ₹37,000 | ₹40,074 | +8.3% |
Best year of the journey: Year 1 (+5.5% market move) · Toughest year: Year 2 (2.8%)
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 -P F Option-Automatic Annual Reinvest Option's published NAV (source: AMFI) between 18 Aug 2023 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.