₹25,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹78,21,043
11 Sept 2026
Absolute gain
+₹32,96,043
+72.8%
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
₹83,93,594
Modelled at historical FD rates. The fund trailed FD by ₹5,72,551.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2012) | ₹3,25,000 | ₹3,44,961 | +6.1% |
| Year 2 (11 Sept 2013) | ₹6,25,000 | ₹6,66,088 | +6.6% |
| Year 3 (11 Sept 2014) | ₹9,25,000 | ₹10,47,709 | +13.3% |
| Year 4 (11 Sept 2015) | ₹12,25,000 | ₹15,06,316 | +23% |
| Year 5 (12 Sept 2016) | ₹15,25,000 | ₹20,36,523 | +33.5% |
| Year 6 (11 Sept 2017) | ₹18,25,000 | ₹25,65,057 | +40.6% |
| Year 7 (11 Sept 2018) | ₹21,25,000 | ₹28,53,747 | +34.3% |
| Year 8 (11 Sept 2019) | ₹24,25,000 | ₹36,75,467 | +51.6% |
| Year 9 (11 Sept 2020) | ₹27,25,000 | ₹43,61,701 | +60.1% |
| Year 10 (13 Sept 2021) | ₹30,25,000 | ₹48,50,156 | +60.3% |
| Year 11 (12 Sept 2022) | ₹33,25,000 | ₹52,12,991 | +56.8% |
| Year 12 (11 Sept 2023) | ₹36,25,000 | ₹58,22,215 | +60.6% |
| Year 13 (11 Sept 2024) | ₹39,25,000 | ₹66,93,062 | +70.5% |
| Year 14 (11 Sept 2025) | ₹42,25,000 | ₹72,72,062 | +72.1% |
| Year 15 (11 Sept 2026) | ₹45,25,000 | ₹78,21,043 | +72.8% |
Best year of the journey: Year 8 (+16.5% market move) · Toughest year: Year 7 (-0.4%)
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 2011 and 11 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.