₹25,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹45,87,886
2 Sept 2026
Absolute gain
+₹62,886
+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
₹83,78,616
Modelled at historical FD rates. The fund trailed FD by ₹37,90,730.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2012) | ₹3,25,000 | ₹3,25,305 | +0.1% |
| Year 2 (2 Sept 2013) | ₹6,25,000 | ₹6,02,911 | -3.5% |
| Year 3 (2 Sept 2014) | ₹9,25,000 | ₹9,03,316 | -2.3% |
| Year 4 (2 Sept 2015) | ₹12,25,000 | ₹12,18,352 | -0.5% |
| Year 5 (2 Sept 2016) | ₹15,25,000 | ₹15,31,491 | +0.4% |
| Year 6 (4 Sept 2017) | ₹18,25,000 | ₹18,29,587 | +0.3% |
| Year 7 (3 Sept 2018) | ₹21,25,000 | ₹21,31,321 | +0.3% |
| Year 8 (3 Sept 2019) | ₹24,25,000 | ₹23,90,625 | -1.4% |
| Year 9 (2 Sept 2020) | ₹27,25,000 | ₹27,56,620 | +1.2% |
| Year 10 (2 Sept 2021) | ₹30,25,000 | ₹30,47,369 | +0.7% |
| Year 11 (2 Sept 2022) | ₹33,25,000 | ₹33,38,947 | +0.4% |
| Year 12 (4 Sept 2023) | ₹36,25,000 | ₹36,41,811 | +0.5% |
| Year 13 (2 Sept 2024) | ₹39,25,000 | ₹39,64,343 | +1% |
| Year 14 (2 Sept 2025) | ₹42,25,000 | ₹42,85,907 | +1.4% |
| Year 15 (2 Sept 2026) | ₹44,75,000 | ₹45,38,029 | +1.4% |
Best year of the journey: Year 9 (+2.5% 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.
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 2 Sept 2011 and 2 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.