₹2,000 Monthly SIP in ICICI Prudential Long Term Bond Fund - Half Yearly IDCW for 10 Years
If you had started a ₹2,000/month SIP on 17 Sept 2012 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Long Term Bond Fund - Half Yearly IDCW's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹2,40,581
16 Sept 2022
Absolute gain
₹-1,419
-0.6%
XIRR (annualised)
-0.12%
money-weighted
The journey, month by month
Worst fall on the way
-9.1%
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
₹3,61,103
Modelled at historical FD rates. The fund trailed FD by ₹1,20,522.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2013) | ₹26,000 | ₹24,165 | -7.1% |
| Year 2 (16 Sept 2014) | ₹50,000 | ₹49,702 | -0.6% |
| Year 3 (16 Sept 2015) | ₹74,000 | ₹71,540 | -3.3% |
| Year 4 (16 Sept 2016) | ₹98,000 | ₹1,01,501 | +3.6% |
| Year 5 (18 Sept 2017) | ₹1,22,000 | ₹1,24,552 | +2.1% |
| Year 6 (17 Sept 2018) | ₹1,46,000 | ₹1,41,163 | -3.3% |
| Year 7 (16 Sept 2019) | ₹1,70,000 | ₹1,80,307 | +6.1% |
| Year 8 (16 Sept 2020) | ₹1,94,000 | ₹2,02,255 | +4.3% |
| Year 9 (16 Sept 2021) | ₹2,18,000 | ₹2,24,936 | +3.2% |
| Year 10 (16 Sept 2022) | ₹2,42,000 | ₹2,40,581 | -0.6% |
Best year of the journey: Year 7 (+9.2% market move) · Toughest year: Year 1 (-7.1%)
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 Long Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using ICICI Prudential Long Term Bond Fund - Half Yearly IDCW's published NAV (source: AMFI) between 17 Sept 2012 and 16 Sept 2022; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.