₹10,000 Monthly SIP in Nippon India Gilt Fund -P F Option-Automatic Annual Reinvest Option for 15 Years
If you had started a ₹10,000/month SIP on 18 Aug 2011 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 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹31,82,963
18 Aug 2026
Absolute gain
+₹13,72,963
+75.9%
XIRR (annualised)
7.13%
money-weighted
The journey, month by month
Worst fall on the way
-7.4%
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
₹33,68,204
Modelled at historical FD rates. The fund trailed FD by ₹1,85,241.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,37,982 | +6.1% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,54,036 | +1.6% |
| Year 3 (19 Aug 2014) | ₹3,70,000 | ₹4,18,057 | +13% |
| Year 4 (19 Aug 2015) | ₹4,90,000 | ₹6,05,842 | +23.6% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹8,13,845 | +33.4% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹10,32,336 | +41.4% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹11,57,213 | +36.1% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹14,74,169 | +52% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹17,63,971 | +61.8% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹19,38,082 | +60.2% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹20,81,424 | +56.5% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹23,39,992 | +61.4% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹26,79,143 | +70.6% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹29,21,906 | +72.9% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹31,82,963 | +75.9% |
Best year of the journey: Year 8 (+15.4% market move) · Toughest year: Year 2 (-1.5%)
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 2011 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.