₹5,000 Monthly SIP in DSP Bond Fund - IDCW - Monthly for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹9,17,643
1 Sept 2026
Absolute gain
+₹12,643
+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
₹16,75,395
Modelled at historical FD rates. The fund trailed FD by ₹7,57,752.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2012) | ₹65,000 | ₹65,061 | +0.1% |
| Year 2 (2 Sept 2013) | ₹1,25,000 | ₹1,20,582 | -3.5% |
| Year 3 (1 Sept 2014) | ₹1,85,000 | ₹1,80,492 | -2.4% |
| Year 4 (1 Sept 2015) | ₹2,45,000 | ₹2,43,655 | -0.5% |
| Year 5 (1 Sept 2016) | ₹3,05,000 | ₹3,06,409 | +0.5% |
| Year 6 (1 Sept 2017) | ₹3,65,000 | ₹3,65,724 | +0.2% |
| Year 7 (3 Sept 2018) | ₹4,25,000 | ₹4,26,264 | +0.3% |
| Year 8 (3 Sept 2019) | ₹4,85,000 | ₹4,78,125 | -1.4% |
| Year 9 (1 Sept 2020) | ₹5,45,000 | ₹5,50,767 | +1.1% |
| Year 10 (1 Sept 2021) | ₹6,05,000 | ₹6,08,492 | +0.6% |
| Year 11 (1 Sept 2022) | ₹6,65,000 | ₹6,67,971 | +0.4% |
| Year 12 (1 Sept 2023) | ₹7,25,000 | ₹7,28,151 | +0.4% |
| Year 13 (2 Sept 2024) | ₹7,85,000 | ₹7,92,869 | +1% |
| Year 14 (1 Sept 2025) | ₹8,45,000 | ₹8,57,158 | +1.4% |
| Year 15 (1 Sept 2026) | ₹8,95,000 | ₹9,07,671 | +1.4% |
Best year of the journey: Year 9 (+2.3% 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.
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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 2 Sept 2011 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.