₹25,000 Monthly SIP in SBI GILT FUND - GROWTH - PF (Regular) Option for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹1,39,06,978
18 Aug 2026
Absolute gain
+₹78,81,978
+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
₹1,42,88,354
Modelled at historical FD rates. The fund trailed FD by ₹3,81,376.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹3,25,000 | ₹3,35,482 | +3.2% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹6,53,214 | +4.5% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹9,58,901 | +3.7% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹12,81,698 | +4.6% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹16,67,281 | +9.3% |
| Year 6 (21 Aug 2012) | ₹18,25,000 | ₹21,13,092 | +15.8% |
| Year 7 (19 Aug 2013) | ₹21,25,000 | ₹25,16,003 | +18.4% |
| Year 8 (19 Aug 2014) | ₹24,25,000 | ₹32,11,849 | +32.4% |
| Year 9 (19 Aug 2015) | ₹27,25,000 | ₹40,67,454 | +49.3% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹48,47,225 | +60.2% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹57,64,102 | +73.4% |
| Year 12 (20 Aug 2018) | ₹36,25,000 | ₹60,35,383 | +66.5% |
| Year 13 (19 Aug 2019) | ₹39,25,000 | ₹72,68,839 | +85.2% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹84,18,463 | +99.3% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹90,74,094 | +100.5% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹96,35,041 | +99.7% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹1,07,11,192 | +109% |
| Year 18 (19 Aug 2024) | ₹54,25,000 | ₹1,20,33,770 | +121.8% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹1,29,77,365 | +126.7% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹1,39,06,978 | +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.