₹10,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 10 Years
If you had started a ₹10,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using DSP Bond Fund - IDCW - Monthly's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹12,25,329
1 Sept 2026
Absolute gain
+₹15,329
+1.3%
XIRR (annualised)
0.25%
money-weighted
The journey, month by month
Worst fall on the way
-5.3%
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
₹16,78,593
Modelled at historical FD rates. The fund trailed FD by ₹4,53,264.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹1,30,000 | ₹1,30,888 | +0.7% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,51,322 | +0.5% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,65,588 | -1.2% |
| Year 4 (1 Sept 2020) | ₹4,90,000 | ₹4,95,797 | +1.2% |
| Year 5 (1 Sept 2021) | ₹6,10,000 | ₹6,13,827 | +0.6% |
| Year 6 (1 Sept 2022) | ₹7,30,000 | ₹7,33,441 | +0.5% |
| Year 7 (1 Sept 2023) | ₹8,50,000 | ₹8,53,680 | +0.4% |
| Year 8 (2 Sept 2024) | ₹9,70,000 | ₹9,79,365 | +1% |
| Year 9 (1 Sept 2025) | ₹10,90,000 | ₹11,04,726 | +1.4% |
| Year 10 (1 Sept 2026) | ₹11,90,000 | ₹12,05,384 | +1.3% |
Best year of the journey: Year 4 (+2.1% market move) · Toughest year: Year 3 (-1.5%)
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 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 2016 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.