₹1,000 Monthly SIP in UTI Large & Mid Cap Fund for 3 Years
If you had started a ₹1,000/month SIP on 4 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using UTI Large & Mid Cap Fund's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹42,379
3 Sept 2026
Absolute gain
+₹5,379
+14.5%
XIRR (annualised)
9.22%
money-weighted
The journey, month by month
Worst fall on the way
-10.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,095
Modelled at historical FD rates. The fund beat FD by ₹1,284.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2024) | ₹13,000 | ₹16,620 | +27.8% |
| Year 2 (3 Sept 2025) | ₹25,000 | ₹28,464 | +13.9% |
| Year 3 (3 Sept 2026) | ₹37,000 | ₹42,379 | +14.5% |
Best year of the journey: Year 1 (+27.8% market move) · Toughest year: Year 2 (-0.5%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Large & Mid Cap Fund's published NAV (source: AMFI) between 4 Sept 2023 and 3 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.