₹10,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹10,000/month SIP on 2 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using DSP Bond Fund - IDCW - Monthly's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹18,35,286
1 Sept 2026
Absolute gain
+₹25,286
+1.4%
XIRR (annualised)
0.18%
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
₹33,50,789
Modelled at historical FD rates. The fund trailed FD by ₹15,15,503.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2012) | ₹1,30,000 | ₹1,30,122 | +0.1% |
| Year 2 (2 Sept 2013) | ₹2,50,000 | ₹2,41,164 | -3.5% |
| Year 3 (1 Sept 2014) | ₹3,70,000 | ₹3,60,984 | -2.4% |
| Year 4 (1 Sept 2015) | ₹4,90,000 | ₹4,87,310 | -0.5% |
| Year 5 (1 Sept 2016) | ₹6,10,000 | ₹6,12,819 | +0.5% |
| Year 6 (1 Sept 2017) | ₹7,30,000 | ₹7,31,449 | +0.2% |
| Year 7 (3 Sept 2018) | ₹8,50,000 | ₹8,52,528 | +0.3% |
| Year 8 (3 Sept 2019) | ₹9,70,000 | ₹9,56,250 | -1.4% |
| Year 9 (1 Sept 2020) | ₹10,90,000 | ₹11,01,535 | +1.1% |
| Year 10 (1 Sept 2021) | ₹12,10,000 | ₹12,16,985 | +0.6% |
| Year 11 (1 Sept 2022) | ₹13,30,000 | ₹13,35,943 | +0.4% |
| Year 12 (1 Sept 2023) | ₹14,50,000 | ₹14,56,302 | +0.4% |
| Year 13 (2 Sept 2024) | ₹15,70,000 | ₹15,85,737 | +1% |
| Year 14 (1 Sept 2025) | ₹16,90,000 | ₹17,14,317 | +1.4% |
| Year 15 (1 Sept 2026) | ₹17,90,000 | ₹18,15,342 | +1.4% |
Best year of the journey: Year 9 (+2.3% market move) · Toughest year: Year 2 (-3.6%)
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 2 Sept 2011 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.