₹10,000 Monthly SIP in SBI GILT FUND - GROWTH - PF (Regular) Option for 20 Years
If you had started a ₹10,000/month SIP on 18 Aug 2006 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 241 installments.
You invested
₹24,10,000
241 installments
Value today
₹55,62,791
18 Aug 2026
Absolute gain
+₹31,52,791
+130.8%
XIRR (annualised)
7.71%
money-weighted
The journey, month by month
Worst fall on the way
-10.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹57,15,341
Modelled at historical FD rates. The fund trailed FD by ₹1,52,550.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹1,30,000 | ₹1,34,193 | +3.2% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,61,286 | +4.5% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹3,83,561 | +3.7% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹5,12,679 | +4.6% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹6,66,912 | +9.3% |
| Year 6 (21 Aug 2012) | ₹7,30,000 | ₹8,45,237 | +15.8% |
| Year 7 (19 Aug 2013) | ₹8,50,000 | ₹10,06,401 | +18.4% |
| Year 8 (19 Aug 2014) | ₹9,70,000 | ₹12,84,740 | +32.4% |
| Year 9 (19 Aug 2015) | ₹10,90,000 | ₹16,26,982 | +49.3% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹19,38,890 | +60.2% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹23,05,641 | +73.4% |
| Year 12 (20 Aug 2018) | ₹14,50,000 | ₹24,14,153 | +66.5% |
| Year 13 (19 Aug 2019) | ₹15,70,000 | ₹29,07,536 | +85.2% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹33,67,385 | +99.3% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹36,29,637 | +100.5% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹38,54,017 | +99.7% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹42,84,477 | +109% |
| Year 18 (19 Aug 2024) | ₹21,70,000 | ₹48,13,508 | +121.8% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹51,90,946 | +126.7% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹55,62,791 | +130.8% |
Best year of the journey: Year 9 (+15.8% market move) · Toughest year: Year 12 (-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 SBI GILT FUND - GROWTH - PF (Regular) Option's published NAV (source: AMFI) between 18 Aug 2006 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.