₹10,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 15 Years
If you had started a ₹10,000/month SIP on 16 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
₹18,10,000
181 installments
Value today
₹31,25,996
16 Sept 2026
Absolute gain
+₹13,15,996
+72.7%
XIRR (annualised)
6.92%
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
₹33,60,698
Modelled at historical FD rates. The fund trailed FD by ₹2,34,702.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (17 Sept 2012) | ₹1,30,000 | ₹1,38,202 | +6.3% |
| Year 2 (16 Sept 2013) | ₹2,50,000 | ₹2,66,517 | +6.6% |
| Year 3 (16 Sept 2014) | ₹3,70,000 | ₹4,19,935 | +13.5% |
| Year 4 (16 Sept 2015) | ₹4,90,000 | ₹6,04,218 | +23.3% |
| Year 5 (16 Sept 2016) | ₹6,10,000 | ₹8,15,872 | +33.7% |
| Year 6 (18 Sept 2017) | ₹7,30,000 | ₹10,22,944 | +40.1% |
| Year 7 (17 Sept 2018) | ₹8,50,000 | ₹11,46,508 | +34.9% |
| Year 8 (16 Sept 2019) | ₹9,70,000 | ₹14,68,048 | +51.3% |
| Year 9 (16 Sept 2020) | ₹10,90,000 | ₹17,49,320 | +60.5% |
| Year 10 (16 Sept 2021) | ₹12,10,000 | ₹19,44,529 | +60.7% |
| Year 11 (16 Sept 2022) | ₹13,30,000 | ₹20,82,254 | +56.6% |
| Year 12 (18 Sept 2023) | ₹14,50,000 | ₹23,39,324 | +61.3% |
| Year 13 (16 Sept 2024) | ₹15,70,000 | ₹26,90,944 | +71.4% |
| Year 14 (16 Sept 2025) | ₹16,90,000 | ₹29,15,012 | +72.5% |
| Year 15 (16 Sept 2026) | ₹18,10,000 | ₹31,25,996 | +72.7% |
Best year of the journey: Year 8 (+15.9% 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.
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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 16 Sept 2011 and 16 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.