₹5,000 Monthly SIP in Nippon India Gilt Fund-P F Option-Automatic Capital Appreciation Payout Option for 3 Years
If you had started a ₹5,000/month SIP on 11 Sept 2023 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,97,674
10 Sept 2026
Absolute gain
+₹12,674
+6.9%
XIRR (annualised)
4.4%
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
₹2,05,731
Modelled at historical FD rates. The fund trailed FD by ₹8,057.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Sept 2024) | ₹65,000 | ₹68,456 | +5.3% |
| Year 2 (10 Sept 2025) | ₹1,25,000 | ₹1,31,955 | +5.6% |
| Year 3 (10 Sept 2026) | ₹1,85,000 | ₹1,97,674 | +6.9% |
Best year of the journey: Year 1 (+5.3% market move) · Toughest year: Year 2 (2.7%)
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 11 Sept 2023 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.