₹1,000 Monthly SIP in UTI Value 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 Value Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,57,392
1 Sept 2026
Absolute gain
+₹1,36,392
+112.7%
XIRR (annualised)
14.53%
money-weighted
The journey, month by month
Worst fall on the way
-35.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,879
Modelled at historical FD rates. The fund beat FD by ₹89,513.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹13,000 | ₹14,160 | +8.9% |
| Year 2 (3 Sept 2018) | ₹25,000 | ₹29,414 | +17.7% |
| Year 3 (3 Sept 2019) | ₹37,000 | ₹37,897 | +2.4% |
| Year 4 (1 Sept 2020) | ₹49,000 | ₹55,306 | +12.9% |
| Year 5 (1 Sept 2021) | ₹61,000 | ₹1,02,156 | +67.5% |
| Year 6 (1 Sept 2022) | ₹73,000 | ₹1,18,631 | +62.5% |
| Year 7 (1 Sept 2023) | ₹85,000 | ₹1,50,222 | +76.7% |
| Year 8 (2 Sept 2024) | ₹97,000 | ₹2,37,602 | +145% |
| Year 9 (1 Sept 2025) | ₹1,09,000 | ₹2,44,304 | +124.1% |
| Year 10 (1 Sept 2026) | ₹1,21,000 | ₹2,57,392 | +112.7% |
Best year of the journey: Year 5 (+51.8% market move) · Toughest year: Year 3 (-8.5%)
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 Value 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.