₹10,000 Monthly SIP in DSP Short Term Fund - IDCW - Monthly for 15 Years
If you had started a ₹10,000/month SIP on 2 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using DSP Short Term Fund - IDCW - Monthly's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹18,66,022
2 Sept 2026
Absolute gain
+₹56,022
+3.1%
XIRR (annualised)
0.41%
money-weighted
The journey, month by month
Worst fall on the way
-2.8%
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
₹33,51,446
Modelled at historical FD rates. The fund trailed FD by ₹14,85,424.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2012) | ₹1,30,000 | ₹1,30,370 | +0.3% |
| Year 2 (2 Sept 2013) | ₹2,50,000 | ₹2,48,876 | -0.4% |
| Year 3 (2 Sept 2014) | ₹3,70,000 | ₹3,74,273 | +1.2% |
| Year 4 (2 Sept 2015) | ₹4,90,000 | ₹4,99,183 | +1.9% |
| Year 5 (2 Sept 2016) | ₹6,10,000 | ₹6,23,356 | +2.2% |
| Year 6 (4 Sept 2017) | ₹7,30,000 | ₹7,45,435 | +2.1% |
| Year 7 (3 Sept 2018) | ₹8,50,000 | ₹8,66,503 | +1.9% |
| Year 8 (3 Sept 2019) | ₹9,70,000 | ₹9,94,030 | +2.5% |
| Year 9 (2 Sept 2020) | ₹10,90,000 | ₹11,19,106 | +2.7% |
| Year 10 (2 Sept 2021) | ₹12,10,000 | ₹12,38,048 | +2.3% |
| Year 11 (2 Sept 2022) | ₹13,30,000 | ₹13,58,502 | +2.1% |
| Year 12 (4 Sept 2023) | ₹14,50,000 | ₹14,82,350 | +2.2% |
| Year 13 (2 Sept 2024) | ₹15,70,000 | ₹16,08,713 | +2.5% |
| Year 14 (2 Sept 2025) | ₹16,90,000 | ₹17,40,588 | +3% |
| Year 15 (2 Sept 2026) | ₹17,90,000 | ₹18,46,046 | +3.1% |
Best year of the journey: Year 3 (+1.5% market move) · Toughest year: Year 2 (-0.6%)
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 Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using DSP Short Term 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.