₹25,000 Monthly SIP in SBI GILT FUND - GROWTH - PF (Regular) Option for 10 Years
If you had started a ₹25,000/month SIP on 18 Aug 2016 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 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹42,63,557
18 Aug 2026
Absolute gain
+₹12,38,557
+40.9%
XIRR (annualised)
6.67%
money-weighted
The journey, month by month
Worst fall on the way
-2.9%
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
₹42,11,048
Modelled at historical FD rates. The fund beat FD by ₹52,509.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,43,723 | +5.8% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹6,44,052 | +3% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹10,68,513 | +15.5% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹15,08,719 | +23.2% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹18,77,071 | +23.1% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹22,34,446 | +22.4% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹27,23,037 | +28.1% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹32,94,847 | +35.9% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹37,74,230 | +38.5% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹42,63,557 | +40.9% |
Best year of the journey: Year 3 (+13.2% market move) · Toughest year: Year 2 (0.1%)
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 2016 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.