₹10,000 Monthly SIP in SBI GILT FUND - GROWTH - PF (Regular) Option for 15 Years
If you had started a ₹10,000/month SIP on 18 Aug 2011 and never stopped — through every crash and rally — here is exactly what happened, using SBI GILT FUND - GROWTH - PF (Regular) Option's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹33,32,762
18 Aug 2026
Absolute gain
+₹15,22,762
+84.1%
XIRR (annualised)
7.69%
money-weighted
The journey, month by month
Worst fall on the way
-6.6%
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
₹33,68,210
Modelled at historical FD rates. The fund trailed FD by ₹35,448.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,36,019 | +4.6% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,60,419 | +4.2% |
| Year 3 (19 Aug 2014) | ₹3,70,000 | ₹4,26,610 | +15.3% |
| Year 4 (19 Aug 2015) | ₹4,90,000 | ₹6,24,805 | +27.5% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹8,23,756 | +35% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹10,52,185 | +44.1% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹11,67,414 | +37.3% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹14,73,718 | +51.9% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹17,69,515 | +62.3% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹19,65,335 | +62.4% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹21,42,638 | +61.1% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹24,37,225 | +68.1% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹27,92,642 | +77.9% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹30,62,732 | +81.2% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹33,32,762 | +84.1% |
Best year of the journey: Year 8 (+14.5% 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.
Try a different amount
Try a different duration
Same SIP in other Gilt funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using SBI GILT FUND - GROWTH - PF (Regular) Option's published NAV (source: AMFI) between 18 Aug 2011 and 18 Aug 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.