₹25,000 Monthly SIP in UTI Value Fund for 5 Years
If you had started a ₹25,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI Value Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹20,26,915
1 Sept 2026
Absolute gain
+₹5,01,915
+32.9%
XIRR (annualised)
11.49%
money-weighted
The journey, month by month
Worst fall on the way
-13.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,87,193
Modelled at historical FD rates. The fund beat FD by ₹2,39,722.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹3,25,000 | ₹3,38,052 | +4% |
| Year 2 (1 Sept 2023) | ₹6,25,000 | ₹7,22,923 | +15.7% |
| Year 3 (2 Sept 2024) | ₹9,25,000 | ₹14,45,191 | +56.2% |
| Year 4 (1 Sept 2025) | ₹12,25,000 | ₹17,18,677 | +40.3% |
| Year 5 (1 Sept 2026) | ₹15,25,000 | ₹20,26,915 | +32.9% |
Best year of the journey: Year 3 (+41.3% market move) · Toughest year: Year 4 (-1.5%)
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 2021 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.