₹5,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 15 Years
If you had started a ₹5,000/month SIP on 28 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
₹9,05,000
181 installments
Value today
₹15,59,542
28 Sept 2026
Absolute gain
+₹6,54,542
+72.3%
XIRR (annualised)
6.87%
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
₹16,84,258
Modelled at historical FD rates. The fund trailed FD by ₹1,24,716.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2012) | ₹65,000 | ₹69,614 | +7.1% |
| Year 2 (30 Sept 2013) | ₹1,25,000 | ₹1,31,737 | +5.4% |
| Year 3 (29 Sept 2014) | ₹1,85,000 | ₹2,10,948 | +14% |
| Year 4 (28 Sept 2015) | ₹2,45,000 | ₹3,03,470 | +23.9% |
| Year 5 (28 Sept 2016) | ₹3,05,000 | ₹4,13,045 | +35.4% |
| Year 6 (28 Sept 2017) | ₹3,65,000 | ₹5,10,469 | +39.9% |
| Year 7 (28 Sept 2018) | ₹4,25,000 | ₹5,76,378 | +35.6% |
| Year 8 (30 Sept 2019) | ₹4,85,000 | ₹7,34,218 | +51.4% |
| Year 9 (28 Sept 2020) | ₹5,45,000 | ₹8,71,358 | +59.9% |
| Year 10 (28 Sept 2021) | ₹6,05,000 | ₹9,71,780 | +60.6% |
| Year 11 (28 Sept 2022) | ₹6,65,000 | ₹10,37,284 | +56% |
| Year 12 (29 Sept 2023) | ₹7,25,000 | ₹11,67,177 | +61% |
| Year 13 (30 Sept 2024) | ₹7,85,000 | ₹13,51,994 | +72.2% |
| Year 14 (30 Sept 2025) | ₹8,45,000 | ₹14,59,935 | +72.8% |
| Year 15 (28 Sept 2026) | ₹9,05,000 | ₹15,59,542 | +72.3% |
Best year of the journey: Year 8 (+15.4% market move) · Toughest year: Year 11 (0.5%)
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 28 Sept 2011 and 28 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.