₹25,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 20 Years
If you had started a ₹25,000/month SIP on 4 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
₹60,25,000
241 installments
Value today
₹61,46,072
3 Sept 2026
Absolute gain
+₹1,21,072
+2%
XIRR (annualised)
0.2%
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
₹1,42,52,763
Modelled at historical FD rates. The fund trailed FD by ₹81,06,691.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2007) | ₹3,25,000 | ₹3,26,502 | +0.5% |
| Year 2 (4 Sept 2008) | ₹6,25,000 | ₹6,30,780 | +0.9% |
| Year 3 (3 Sept 2009) | ₹9,25,000 | ₹9,56,905 | +3.4% |
| Year 4 (3 Sept 2010) | ₹12,25,000 | ₹12,69,071 | +3.6% |
| Year 5 (5 Sept 2011) | ₹15,25,000 | ₹15,81,118 | +3.7% |
| Year 6 (3 Sept 2012) | ₹18,25,000 | ₹18,79,338 | +3% |
| Year 7 (3 Sept 2013) | ₹21,25,000 | ₹20,94,982 | -1.4% |
| Year 8 (3 Sept 2014) | ₹24,25,000 | ₹24,00,000 | -1% |
| Year 9 (3 Sept 2015) | ₹27,25,000 | ₹27,37,977 | +0.5% |
| Year 10 (6 Sept 2016) | ₹30,25,000 | ₹30,70,561 | +1.5% |
| Year 11 (4 Sept 2017) | ₹33,25,000 | ₹33,59,214 | +1% |
| Year 12 (3 Sept 2018) | ₹36,25,000 | ₹36,61,782 | +1% |
| Year 13 (3 Sept 2019) | ₹39,25,000 | ₹38,94,244 | -0.8% |
| Year 14 (3 Sept 2020) | ₹42,25,000 | ₹43,11,339 | +2% |
| Year 15 (3 Sept 2021) | ₹45,25,000 | ₹45,87,349 | +1.4% |
| Year 16 (5 Sept 2022) | ₹48,25,000 | ₹48,75,738 | +1.1% |
| Year 17 (4 Sept 2023) | ₹51,25,000 | ₹51,76,322 | +1% |
| Year 18 (3 Sept 2024) | ₹54,25,000 | ₹55,11,379 | +1.6% |
| Year 19 (3 Sept 2025) | ₹57,25,000 | ₹58,35,976 | +1.9% |
| Year 20 (3 Sept 2026) | ₹59,75,000 | ₹60,96,169 | +2% |
Best year of the journey: Year 3 (+2.8% market move) · Toughest year: Year 7 (-3.9%)
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 4 Sept 2006 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.