₹10,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 20 Years
If you had started a ₹10,000/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
₹24,10,000
241 installments
Value today
₹24,56,406
1 Sept 2026
Absolute gain
+₹46,406
+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
₹56,98,815
Modelled at historical FD rates. The fund trailed FD by ₹32,42,409.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2007) | ₹1,30,000 | ₹1,30,624 | +0.5% |
| Year 2 (1 Sept 2008) | ₹2,50,000 | ₹2,50,318 | +0.1% |
| Year 3 (1 Sept 2009) | ₹3,70,000 | ₹3,82,846 | +3.5% |
| Year 4 (1 Sept 2010) | ₹4,90,000 | ₹5,07,699 | +3.6% |
| Year 5 (2 Sept 2011) | ₹6,10,000 | ₹6,31,454 | +3.5% |
| Year 6 (3 Sept 2012) | ₹7,30,000 | ₹7,51,760 | +3% |
| Year 7 (2 Sept 2013) | ₹8,50,000 | ₹8,38,907 | -1.3% |
| Year 8 (1 Sept 2014) | ₹9,70,000 | ₹9,58,899 | -1.1% |
| Year 9 (1 Sept 2015) | ₹10,90,000 | ₹10,94,904 | +0.4% |
| Year 10 (1 Sept 2016) | ₹12,10,000 | ₹12,26,670 | +1.4% |
| Year 11 (1 Sept 2017) | ₹13,30,000 | ₹13,43,001 | +1% |
| Year 12 (3 Sept 2018) | ₹14,50,000 | ₹14,64,737 | +1% |
| Year 13 (3 Sept 2019) | ₹15,70,000 | ₹15,57,722 | -0.8% |
| Year 14 (1 Sept 2020) | ₹16,90,000 | ₹17,18,358 | +1.7% |
| Year 15 (1 Sept 2021) | ₹18,10,000 | ₹18,31,181 | +1.2% |
| Year 16 (1 Sept 2022) | ₹19,30,000 | ₹19,49,471 | +1% |
| Year 17 (1 Sept 2023) | ₹20,50,000 | ₹20,69,952 | +1% |
| Year 18 (2 Sept 2024) | ₹21,70,000 | ₹22,03,206 | +1.5% |
| Year 19 (1 Sept 2025) | ₹22,90,000 | ₹23,35,064 | +2% |
| Year 20 (1 Sept 2026) | ₹23,90,000 | ₹24,36,462 | +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.