₹1,000 Monthly SIP in UTI Dividend Yield Fund for 10 Years
If you had started a ₹1,000/month SIP on 2 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI Dividend Yield Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,55,947
2 Sept 2026
Absolute gain
+₹1,34,947
+111.5%
XIRR (annualised)
14.41%
money-weighted
The journey, month by month
Worst fall on the way
-30.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,907
Modelled at historical FD rates. The fund beat FD by ₹88,040.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹13,000 | ₹14,210 | +9.3% |
| Year 2 (3 Sept 2018) | ₹25,000 | ₹29,419 | +17.7% |
| Year 3 (3 Sept 2019) | ₹37,000 | ₹38,591 | +4.3% |
| Year 4 (2 Sept 2020) | ₹49,000 | ₹55,230 | +12.7% |
| Year 5 (2 Sept 2021) | ₹61,000 | ₹1,03,856 | +70.3% |
| Year 6 (2 Sept 2022) | ₹73,000 | ₹1,12,047 | +53.5% |
| Year 7 (4 Sept 2023) | ₹85,000 | ₹1,48,995 | +75.3% |
| Year 8 (2 Sept 2024) | ₹97,000 | ₹2,43,809 | +151.3% |
| Year 9 (2 Sept 2025) | ₹1,09,000 | ₹2,41,738 | +121.8% |
| Year 10 (2 Sept 2026) | ₹1,21,000 | ₹2,55,947 | +111.5% |
Best year of the journey: Year 5 (+54.5% market move) · Toughest year: Year 3 (-6.8%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Dividend Yield Fund's published NAV (source: AMFI) between 2 Sept 2016 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.