₹1,000 Monthly SIP in UTI - Overnight Fund for 10 Years
If you had started a ₹1,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Overnight Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹34,88,400
1 Sept 2026
Absolute gain
+₹33,67,400
+2783%
XIRR (annualised)
64.16%
money-weighted
The journey, month by month
Worst fall on the way
-0.8%
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
₹1,67,890
Modelled at historical FD rates. The fund beat FD by ₹33,20,510.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹13,000 | ₹13,436 | +3.4% |
| Year 2 (1 Sept 2018) | ₹25,000 | ₹22,40,283 | +8861.1% |
| Year 3 (1 Sept 2019) | ₹37,000 | ₹23,91,211 | +6362.7% |
| Year 4 (1 Sept 2020) | ₹49,000 | ₹25,01,451 | +5005% |
| Year 5 (1 Sept 2021) | ₹61,000 | ₹25,91,306 | +4148% |
| Year 6 (1 Sept 2022) | ₹73,000 | ₹27,02,666 | +3602.3% |
| Year 7 (1 Sept 2023) | ₹85,000 | ₹28,87,257 | +3296.8% |
| Year 8 (1 Sept 2024) | ₹97,000 | ₹30,96,536 | +3092.3% |
| Year 9 (1 Sept 2025) | ₹1,09,000 | ₹33,01,056 | +2928.5% |
| Year 10 (1 Sept 2026) | ₹1,21,000 | ₹34,88,400 | +2783% |
Best year of the journey: Year 2 (+8707.5% market move) · Toughest year: Year 5 (3.1%)
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 Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI - Overnight Fund's published NAV (source: AMFI) between 1 Sept 2016 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.