₹1,000 Monthly SIP in TRUST MF OVERNIGHT FUND for 5 Years
If you had started a ₹1,000/month SIP on 19 Jan 2022 and never stopped — through every crash and rally — here is exactly what happened, using TRUST MF OVERNIGHT FUND's actual NAV for all 57 installments.
You invested
₹57,000
57 installments
Value today
₹65,515
20 Sept 2026
Absolute gain
+₹8,515
+14.9%
XIRR (annualised)
5.88%
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
₹66,545
Modelled at historical FD rates. The fund trailed FD by ₹1,030.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Sept 2022) | ₹9,000 | ₹9,154 | +1.7% |
| Year 2 (20 Sept 2023) | ₹21,000 | ₹22,145 | +5.5% |
| Year 3 (20 Sept 2024) | ₹33,000 | ₹36,049 | +9.2% |
| Year 4 (20 Sept 2025) | ₹45,000 | ₹50,609 | +12.5% |
| Year 5 (20 Sept 2026) | ₹57,000 | ₹65,515 | +14.9% |
Best year of the journey: Year 3 (+5.6% market move) · Toughest year: Year 1 (1.7%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Same SIP in other Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using TRUST MF OVERNIGHT FUND's published NAV (source: AMFI) between 19 Jan 2022 and 20 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.