₹1,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 20 Years
If you had started a ₹1,000/month SIP on 1 Sept 2006 and never stopped — through every crash and rally — here is exactly what happened, using DSP Bond Fund - IDCW - Monthly's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹2,45,641
1 Sept 2026
Absolute gain
+₹4,641
+1.9%
XIRR (annualised)
0.19%
money-weighted
The journey, month by month
Worst fall on the way
-5.5%
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
₹5,69,881
Modelled at historical FD rates. The fund trailed FD by ₹3,24,240.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2007) | ₹13,000 | ₹13,062 | +0.5% |
| Year 2 (1 Sept 2008) | ₹25,000 | ₹25,032 | +0.1% |
| Year 3 (1 Sept 2009) | ₹37,000 | ₹38,285 | +3.5% |
| Year 4 (1 Sept 2010) | ₹49,000 | ₹50,770 | +3.6% |
| Year 5 (2 Sept 2011) | ₹61,000 | ₹63,145 | +3.5% |
| Year 6 (3 Sept 2012) | ₹73,000 | ₹75,176 | +3% |
| Year 7 (2 Sept 2013) | ₹85,000 | ₹83,891 | -1.3% |
| Year 8 (1 Sept 2014) | ₹97,000 | ₹95,890 | -1.1% |
| Year 9 (1 Sept 2015) | ₹1,09,000 | ₹1,09,490 | +0.4% |
| Year 10 (1 Sept 2016) | ₹1,21,000 | ₹1,22,667 | +1.4% |
| Year 11 (1 Sept 2017) | ₹1,33,000 | ₹1,34,300 | +1% |
| Year 12 (3 Sept 2018) | ₹1,45,000 | ₹1,46,474 | +1% |
| Year 13 (3 Sept 2019) | ₹1,57,000 | ₹1,55,772 | -0.8% |
| Year 14 (1 Sept 2020) | ₹1,69,000 | ₹1,71,836 | +1.7% |
| Year 15 (1 Sept 2021) | ₹1,81,000 | ₹1,83,118 | +1.2% |
| Year 16 (1 Sept 2022) | ₹1,93,000 | ₹1,94,947 | +1% |
| Year 17 (1 Sept 2023) | ₹2,05,000 | ₹2,06,995 | +1% |
| Year 18 (2 Sept 2024) | ₹2,17,000 | ₹2,20,321 | +1.5% |
| Year 19 (1 Sept 2025) | ₹2,29,000 | ₹2,33,506 | +2% |
| Year 20 (1 Sept 2026) | ₹2,39,000 | ₹2,43,646 | +1.9% |
Best year of the journey: Year 3 (+3.4% market move) · Toughest year: Year 7 (-3.8%)
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 Medium Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using DSP Bond Fund - IDCW - Monthly's published NAV (source: AMFI) between 1 Sept 2006 and 1 Sept 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.