₹2,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹4,91,281
1 Sept 2026
Absolute gain
+₹9,281
+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
₹11,39,763
Modelled at historical FD rates. The fund trailed FD by ₹6,48,482.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2007) | ₹26,000 | ₹26,125 | +0.5% |
| Year 2 (1 Sept 2008) | ₹50,000 | ₹50,064 | +0.1% |
| Year 3 (1 Sept 2009) | ₹74,000 | ₹76,569 | +3.5% |
| Year 4 (1 Sept 2010) | ₹98,000 | ₹1,01,540 | +3.6% |
| Year 5 (2 Sept 2011) | ₹1,22,000 | ₹1,26,291 | +3.5% |
| Year 6 (3 Sept 2012) | ₹1,46,000 | ₹1,50,352 | +3% |
| Year 7 (2 Sept 2013) | ₹1,70,000 | ₹1,67,781 | -1.3% |
| Year 8 (1 Sept 2014) | ₹1,94,000 | ₹1,91,780 | -1.1% |
| Year 9 (1 Sept 2015) | ₹2,18,000 | ₹2,18,981 | +0.4% |
| Year 10 (1 Sept 2016) | ₹2,42,000 | ₹2,45,334 | +1.4% |
| Year 11 (1 Sept 2017) | ₹2,66,000 | ₹2,68,600 | +1% |
| Year 12 (3 Sept 2018) | ₹2,90,000 | ₹2,92,947 | +1% |
| Year 13 (3 Sept 2019) | ₹3,14,000 | ₹3,11,544 | -0.8% |
| Year 14 (1 Sept 2020) | ₹3,38,000 | ₹3,43,672 | +1.7% |
| Year 15 (1 Sept 2021) | ₹3,62,000 | ₹3,66,236 | +1.2% |
| Year 16 (1 Sept 2022) | ₹3,86,000 | ₹3,89,894 | +1% |
| Year 17 (1 Sept 2023) | ₹4,10,000 | ₹4,13,990 | +1% |
| Year 18 (2 Sept 2024) | ₹4,34,000 | ₹4,40,641 | +1.5% |
| Year 19 (1 Sept 2025) | ₹4,58,000 | ₹4,67,013 | +2% |
| Year 20 (1 Sept 2026) | ₹4,78,000 | ₹4,87,292 | +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.