₹25,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 5 Years
If you had started a ₹25,000/month SIP on 13 Sept 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹17,31,942
11 Sept 2026
Absolute gain
+₹2,06,942
+13.6%
XIRR (annualised)
5.06%
money-weighted
The journey, month by month
Worst fall on the way
-2.6%
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
₹17,90,238
Modelled at historical FD rates. The fund trailed FD by ₹58,296.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹3,25,000 | ₹3,29,268 | +1.3% |
| Year 2 (11 Sept 2023) | ₹6,25,000 | ₹6,56,847 | +5.1% |
| Year 3 (11 Sept 2024) | ₹9,25,000 | ₹10,35,035 | +11.9% |
| Year 4 (11 Sept 2025) | ₹12,25,000 | ₹13,80,082 | +12.7% |
| Year 5 (11 Sept 2026) | ₹15,25,000 | ₹17,31,942 | +13.6% |
Best year of the journey: Year 3 (+8.2% market move) · Toughest year: Year 1 (1.3%)
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 13 Sept 2021 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.