₹1,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 15 Years
If you had started a ₹1,000/month SIP on 12 Sept 2011 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 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹3,13,244
10 Sept 2026
Absolute gain
+₹1,32,244
+73.1%
XIRR (annualised)
6.96%
money-weighted
The journey, month by month
Worst fall on the way
-7.3%
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
₹3,35,678
Modelled at historical FD rates. The fund trailed FD by ₹22,434.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Sept 2012) | ₹13,000 | ₹13,794 | +6.1% |
| Year 2 (10 Sept 2013) | ₹25,000 | ₹26,647 | +6.6% |
| Year 3 (10 Sept 2014) | ₹37,000 | ₹41,806 | +13% |
| Year 4 (10 Sept 2015) | ₹49,000 | ₹60,222 | +22.9% |
| Year 5 (12 Sept 2016) | ₹61,000 | ₹81,461 | +33.5% |
| Year 6 (11 Sept 2017) | ₹73,000 | ₹1,02,602 | +40.6% |
| Year 7 (10 Sept 2018) | ₹85,000 | ₹1,14,273 | +34.4% |
| Year 8 (11 Sept 2019) | ₹97,000 | ₹1,47,019 | +51.6% |
| Year 9 (10 Sept 2020) | ₹1,09,000 | ₹1,74,574 | +60.2% |
| Year 10 (13 Sept 2021) | ₹1,21,000 | ₹1,94,006 | +60.3% |
| Year 11 (12 Sept 2022) | ₹1,33,000 | ₹2,08,520 | +56.8% |
| Year 12 (11 Sept 2023) | ₹1,45,000 | ₹2,32,889 | +60.6% |
| Year 13 (10 Sept 2024) | ₹1,57,000 | ₹2,67,221 | +70.2% |
| Year 14 (10 Sept 2025) | ₹1,69,000 | ₹2,91,068 | +72.2% |
| Year 15 (10 Sept 2026) | ₹1,81,000 | ₹3,13,244 | +73.1% |
Best year of the journey: Year 8 (+16.4% market move) · Toughest year: Year 7 (-0.3%)
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 Capital Appreciation Payout Option's published NAV (source: AMFI) between 12 Sept 2011 and 10 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.