₹25,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 10 Years
If you had started a ₹25,000/month SIP on 6 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
₹30,25,000
121 installments
Value today
₹30,65,842
3 Sept 2026
Absolute gain
+₹40,842
+1.4%
XIRR (annualised)
0.27%
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
₹41,97,877
Modelled at historical FD rates. The fund trailed FD by ₹11,32,035.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,27,360 | +0.7% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹6,28,274 | +0.5% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,13,938 | -1.2% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹12,43,934 | +1.5% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹15,37,706 | +0.8% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹18,34,369 | +0.5% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹21,34,787 | +0.5% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹24,49,904 | +1% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹27,61,014 | +1.3% |
| Year 10 (3 Sept 2026) | ₹29,75,000 | ₹30,15,940 | +1.4% |
Best year of the journey: Year 4 (+2.5% 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.
Try a different amount
Try a different duration
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 6 Sept 2016 and 3 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.