₹1,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 10 Years
If you had started a ₹1,000/month SIP on 30 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,62,129
30 Sept 2026
Absolute gain
+₹41,129
+34%
XIRR (annualised)
5.66%
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
₹1,68,700
Modelled at historical FD rates. The fund trailed FD by ₹6,571.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹14,000 | ₹14,569 | +4.1% |
| Year 2 (1 Oct 2018) | ₹26,000 | ₹26,946 | +3.6% |
| Year 3 (30 Sept 2019) | ₹37,000 | ₹43,045 | +16.3% |
| Year 4 (30 Sept 2020) | ₹49,000 | ₹60,101 | +22.7% |
| Year 5 (30 Sept 2021) | ₹61,000 | ₹74,925 | +22.8% |
| Year 6 (30 Sept 2022) | ₹73,000 | ₹87,544 | +19.9% |
| Year 7 (3 Oct 2023) | ₹86,000 | ₹1,06,394 | +23.7% |
| Year 8 (30 Sept 2024) | ₹97,000 | ₹1,29,186 | +33.2% |
| Year 9 (30 Sept 2025) | ₹1,09,000 | ₹1,45,838 | +33.8% |
| Year 10 (30 Sept 2026) | ₹1,21,000 | ₹1,62,129 | +34% |
Best year of the journey: Year 3 (+13.4% market move) · Toughest year: Year 6 (0.7%)
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 Capital Appreciation Payout Option's published NAV (source: AMFI) between 30 Sept 2016 and 30 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.