₹2,000 Monthly SIP in UTI - Overnight Fund for 5 Years
If you had started a ₹2,000/month SIP on 2 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Overnight Fund's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,41,459
2 Sept 2026
Absolute gain
+₹19,459
+15.9%
XIRR (annualised)
5.94%
money-weighted
The journey, month by month
Worst fall on the way
0%
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
₹1,43,015
Modelled at historical FD rates. The fund trailed FD by ₹1,556.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2022) | ₹26,000 | ₹26,540 | +2.1% |
| Year 2 (2 Sept 2023) | ₹50,000 | ₹52,952 | +5.9% |
| Year 3 (2 Sept 2024) | ₹74,000 | ₹81,304 | +9.9% |
| Year 4 (2 Sept 2025) | ₹98,000 | ₹1,10,998 | +13.3% |
| Year 5 (2 Sept 2026) | ₹1,22,000 | ₹1,41,459 | +15.9% |
Best year of the journey: Year 3 (+5.7% market move) · Toughest year: Year 1 (2.1%)
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 2 Sept 2021 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.