₹2,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹2,000/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
₹3,62,000
181 installments
Value today
₹3,67,057
1 Sept 2026
Absolute gain
+₹5,057
+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
₹6,70,158
Modelled at historical FD rates. The fund trailed FD by ₹3,03,101.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2012) | ₹26,000 | ₹26,024 | +0.1% |
| Year 2 (2 Sept 2013) | ₹50,000 | ₹48,233 | -3.5% |
| Year 3 (1 Sept 2014) | ₹74,000 | ₹72,197 | -2.4% |
| Year 4 (1 Sept 2015) | ₹98,000 | ₹97,462 | -0.5% |
| Year 5 (1 Sept 2016) | ₹1,22,000 | ₹1,22,564 | +0.5% |
| Year 6 (1 Sept 2017) | ₹1,46,000 | ₹1,46,290 | +0.2% |
| Year 7 (3 Sept 2018) | ₹1,70,000 | ₹1,70,506 | +0.3% |
| Year 8 (3 Sept 2019) | ₹1,94,000 | ₹1,91,250 | -1.4% |
| Year 9 (1 Sept 2020) | ₹2,18,000 | ₹2,20,307 | +1.1% |
| Year 10 (1 Sept 2021) | ₹2,42,000 | ₹2,43,397 | +0.6% |
| Year 11 (1 Sept 2022) | ₹2,66,000 | ₹2,67,189 | +0.4% |
| Year 12 (1 Sept 2023) | ₹2,90,000 | ₹2,91,260 | +0.4% |
| Year 13 (2 Sept 2024) | ₹3,14,000 | ₹3,17,147 | +1% |
| Year 14 (1 Sept 2025) | ₹3,38,000 | ₹3,42,863 | +1.4% |
| Year 15 (1 Sept 2026) | ₹3,58,000 | ₹3,63,068 | +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.