₹5,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 10 Years
If you had started a ₹5,000/month SIP on 1 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
₹6,05,000
121 installments
Value today
₹6,12,664
1 Sept 2026
Absolute gain
+₹7,664
+1.3%
XIRR (annualised)
0.25%
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
₹8,39,297
Modelled at historical FD rates. The fund trailed FD by ₹2,26,633.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹65,000 | ₹65,444 | +0.7% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,25,661 | +0.5% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹1,82,794 | -1.2% |
| Year 4 (1 Sept 2020) | ₹2,45,000 | ₹2,47,899 | +1.2% |
| Year 5 (1 Sept 2021) | ₹3,05,000 | ₹3,06,914 | +0.6% |
| Year 6 (1 Sept 2022) | ₹3,65,000 | ₹3,66,720 | +0.5% |
| Year 7 (1 Sept 2023) | ₹4,25,000 | ₹4,26,840 | +0.4% |
| Year 8 (2 Sept 2024) | ₹4,85,000 | ₹4,89,683 | +1% |
| Year 9 (1 Sept 2025) | ₹5,45,000 | ₹5,52,363 | +1.4% |
| Year 10 (1 Sept 2026) | ₹5,95,000 | ₹6,02,692 | +1.3% |
Best year of the journey: Year 4 (+2.1% 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.
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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 2016 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.