₹2,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 15 Years
If you had started a ₹2,000/month SIP on 21 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
₹3,62,000
181 installments
Value today
₹6,26,730
21 Sept 2026
Absolute gain
+₹2,64,730
+73.1%
XIRR (annualised)
6.94%
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
₹6,72,791
Modelled at historical FD rates. The fund trailed FD by ₹46,061.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2012) | ₹26,000 | ₹27,714 | +6.6% |
| Year 2 (23 Sept 2013) | ₹50,000 | ₹52,506 | +5% |
| Year 3 (22 Sept 2014) | ₹74,000 | ₹84,522 | +14.2% |
| Year 4 (21 Sept 2015) | ₹98,000 | ₹1,21,542 | +24% |
| Year 5 (21 Sept 2016) | ₹1,22,000 | ₹1,63,273 | +33.8% |
| Year 6 (21 Sept 2017) | ₹1,46,000 | ₹2,03,845 | +39.6% |
| Year 7 (21 Sept 2018) | ₹1,70,000 | ₹2,29,702 | +35.1% |
| Year 8 (23 Sept 2019) | ₹1,94,000 | ₹2,92,880 | +51% |
| Year 9 (21 Sept 2020) | ₹2,18,000 | ₹3,49,225 | +60.2% |
| Year 10 (21 Sept 2021) | ₹2,42,000 | ₹3,89,910 | +61.1% |
| Year 11 (21 Sept 2022) | ₹2,66,000 | ₹4,16,235 | +56.5% |
| Year 12 (21 Sept 2023) | ₹2,90,000 | ₹4,68,420 | +61.5% |
| Year 13 (23 Sept 2024) | ₹3,14,000 | ₹5,38,864 | +71.6% |
| Year 14 (22 Sept 2025) | ₹3,38,000 | ₹5,84,078 | +72.8% |
| Year 15 (21 Sept 2026) | ₹3,62,000 | ₹6,26,730 | +73.1% |
Best year of the journey: Year 8 (+15.4% market move) · Toughest year: Year 11 (0.6%)
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 21 Sept 2011 and 21 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.