₹2,000 Monthly SIP in TRUST MF OVERNIGHT FUND for 5 Years
If you had started a ₹2,000/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 58 installments.
You invested
₹1,16,000
58 installments
Value today
₹1,33,280
4 Oct 2026
Absolute gain
+₹17,280
+14.9%
XIRR (annualised)
5.86%
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
₹1,35,423
Modelled at historical FD rates. The fund trailed FD by ₹2,143.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Oct 2022) | ₹20,000 | ₹20,347 | +1.7% |
| Year 2 (4 Oct 2023) | ₹44,000 | ₹46,406 | +5.5% |
| Year 3 (4 Oct 2024) | ₹68,000 | ₹74,277 | +9.2% |
| Year 4 (4 Oct 2025) | ₹92,000 | ₹1,03,426 | +12.4% |
| Year 5 (4 Oct 2026) | ₹1,16,000 | ₹1,33,280 | +14.9% |
Best year of the journey: Year 3 (+5.5% 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.
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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 TRUST MF OVERNIGHT FUND's published NAV (source: AMFI) between 19 Jan 2022 and 4 Oct 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.