₹25,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 10 Years
If you had started a ₹25,000/month SIP on 12 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
₹30,25,000
121 installments
Value today
₹40,65,013
10 Sept 2026
Absolute gain
+₹10,40,013
+34.4%
XIRR (annualised)
5.78%
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
₹42,03,246
Modelled at historical FD rates. The fund trailed FD by ₹1,38,233.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹3,25,000 | ₹3,40,677 | +4.8% |
| Year 2 (10 Sept 2018) | ₹6,25,000 | ₹6,41,993 | +2.7% |
| Year 3 (11 Sept 2019) | ₹9,25,000 | ₹10,77,722 | +16.5% |
| Year 4 (10 Sept 2020) | ₹12,25,000 | ₹15,01,542 | +22.6% |
| Year 5 (13 Sept 2021) | ₹15,25,000 | ₹18,69,642 | +22.6% |
| Year 6 (12 Sept 2022) | ₹18,25,000 | ₹21,96,300 | +20.3% |
| Year 7 (11 Sept 2023) | ₹21,25,000 | ₹26,31,551 | +23.8% |
| Year 8 (10 Sept 2024) | ₹24,25,000 | ₹31,92,094 | +31.6% |
| Year 9 (10 Sept 2025) | ₹27,25,000 | ₹36,34,883 | +33.4% |
| Year 10 (10 Sept 2026) | ₹30,25,000 | ₹40,65,013 | +34.4% |
Best year of the journey: Year 3 (+14.4% market move) · Toughest year: Year 2 (0.2%)
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 12 Sept 2016 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.