₹10,000 Monthly SIP in Nippon India Gilt Fund -P F Option-Automatic Annual Reinvest Option for 10 Years
If you had started a ₹10,000/month SIP on 18 Aug 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,50,018
18 Aug 2026
Absolute gain
+₹4,40,018
+36.4%
XIRR (annualised)
6.04%
money-weighted
The journey, month by month
Worst fall on the way
-3.3%
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
₹16,84,419
Modelled at historical FD rates. The fund trailed FD by ₹34,401.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,37,193 | +5.5% |
| Year 2 (20 Aug 2018) | ₹2,50,000 | ₹2,59,340 | +3.7% |
| Year 3 (19 Aug 2019) | ₹3,70,000 | ₹4,31,976 | +16.8% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹6,06,594 | +23.8% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹7,46,389 | +22.4% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹8,75,740 | +20% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹10,56,215 | +24.3% |
| Year 8 (19 Aug 2024) | ₹9,70,000 | ₹12,78,568 | +31.8% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹14,57,643 | +33.7% |
| Year 10 (18 Aug 2026) | ₹12,10,000 | ₹16,50,018 | +36.4% |
Best year of the journey: Year 3 (+13.9% market move) · Toughest year: Year 2 (0.8%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 2016 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.