₹25,000 Monthly SIP in Nippon India Gilt Fund -P F Option-Automatic Annual Reinvest Option for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹79,57,407
18 Aug 2026
Absolute gain
+₹34,32,407
+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
₹84,20,509
Modelled at historical FD rates. The fund trailed FD by ₹4,63,102.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹3,25,000 | ₹3,44,954 | +6.1% |
| Year 2 (19 Aug 2013) | ₹6,25,000 | ₹6,35,089 | +1.6% |
| Year 3 (19 Aug 2014) | ₹9,25,000 | ₹10,45,141 | +13% |
| Year 4 (19 Aug 2015) | ₹12,25,000 | ₹15,14,606 | +23.6% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹20,34,613 | +33.4% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹25,80,841 | +41.4% |
| Year 7 (20 Aug 2018) | ₹21,25,000 | ₹28,93,033 | +36.1% |
| Year 8 (19 Aug 2019) | ₹24,25,000 | ₹36,85,423 | +52% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹44,09,928 | +61.8% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹48,45,204 | +60.2% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹52,03,560 | +56.5% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹58,49,980 | +61.4% |
| Year 13 (19 Aug 2024) | ₹39,25,000 | ₹66,97,858 | +70.6% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹73,04,766 | +72.9% |
| Year 15 (18 Aug 2026) | ₹45,25,000 | ₹79,57,407 | +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.
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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 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.