₹5,000 Monthly SIP in PGIM India Ultra Short Term Fund - Monthly Bonus for 3 Years
If you had started a ₹5,000/month SIP on 4 Apr 2016 and never stopped — through every crash and rally — here is exactly what happened, using PGIM India Ultra Short Term Fund - Monthly Bonus's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,07,074
2 Apr 2019
Absolute gain
+₹22,074
+11.9%
XIRR (annualised)
7.66%
money-weighted
The journey, month by month
Worst fall on the way
-0.2%
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
₹2,04,533
Modelled at historical FD rates. The fund beat FD by ₹2,541.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Apr 2017) | ₹65,000 | ₹67,486 | +3.8% |
| Year 2 (3 Apr 2018) | ₹1,25,000 | ₹1,34,164 | +7.3% |
| Year 3 (2 Apr 2019) | ₹1,85,000 | ₹2,07,074 | +11.9% |
Best year of the journey: Year 3 (+6.6% market move) · Toughest year: Year 1 (3.8%)
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 Ultra Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using PGIM India Ultra Short Term Fund - Monthly Bonus's published NAV (source: AMFI) between 4 Apr 2016 and 2 Apr 2019; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.