₹25,000 Monthly SIP in UTI - Overnight Fund for 10 Years
If you had started a ₹25,000/month SIP on 6 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
₹30,25,000
121 installments
Value today
₹8,72,26,024
3 Sept 2026
Absolute gain
+₹8,42,01,024
+2783.5%
XIRR (annualised)
64.12%
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
₹41,98,655
Modelled at historical FD rates. The fund beat FD by ₹8,30,27,369.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,35,940 | +3.4% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹5,60,20,823 | +8863.3% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹5,98,00,181 | +6364.9% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹6,25,41,566 | +5005.4% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹6,47,88,248 | +4148.4% |
| Year 6 (3 Sept 2022) | ₹18,25,000 | ₹6,75,80,350 | +3603% |
| Year 7 (3 Sept 2023) | ₹21,25,000 | ₹7,22,01,735 | +3297.7% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹7,74,34,056 | +3093.2% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹8,25,43,734 | +2929.1% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹8,72,26,024 | +2783.5% |
Best year of the journey: Year 2 (+8709.1% 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 6 Sept 2016 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.