₹10,000 Monthly SIP in PGIM India Corporate Bond Fund - Premium Plus Plan for 10 Years
If you had started a ₹10,000/month SIP on 28 Feb 2012 and never stopped — through every crash and rally — here is exactly what happened, using PGIM India Corporate Bond Fund - Premium Plus Plan's actual NAV for all 120 installments.
You invested
₹12,00,000
120 installments
Value today
₹17,73,143
21 Jan 2022
Absolute gain
+₹5,73,143
+47.8%
XIRR (annualised)
7.62%
money-weighted
The journey, month by month
Worst fall on the way
-3.4%
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
₹18,08,464
Modelled at historical FD rates. The fund trailed FD by ₹35,321.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Jan 2013) | ₹1,20,000 | ₹1,26,910 | +5.8% |
| Year 2 (21 Jan 2014) | ₹2,40,000 | ₹2,60,140 | +8.4% |
| Year 3 (21 Jan 2015) | ₹3,60,000 | ₹4,15,238 | +15.3% |
| Year 4 (21 Jan 2016) | ₹4,80,000 | ₹5,72,847 | +19.3% |
| Year 5 (23 Jan 2017) | ₹6,00,000 | ₹7,61,512 | +26.9% |
| Year 6 (22 Jan 2018) | ₹7,20,000 | ₹9,24,694 | +28.4% |
| Year 7 (21 Jan 2019) | ₹8,40,000 | ₹10,96,550 | +30.5% |
| Year 8 (21 Jan 2020) | ₹9,60,000 | ₹13,28,983 | +38.4% |
| Year 9 (21 Jan 2021) | ₹10,80,000 | ₹15,77,792 | +46.1% |
| Year 10 (21 Jan 2022) | ₹12,00,000 | ₹17,73,143 | +47.8% |
Best year of the journey: Year 5 (+9.9% market move) · Toughest year: Year 10 (4.4%)
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 Corporate Bond funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using PGIM India Corporate Bond Fund - Premium Plus Plan's published NAV (source: AMFI) between 28 Feb 2012 and 21 Jan 2022; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.