₹2,000 Monthly SIP in Union Flexi Cap Fund for 10 Years
If you had started a ₹2,000/month SIP on 30 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Union Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹4,95,474
30 Sept 2026
Absolute gain
+₹2,53,474
+104.7%
XIRR (annualised)
13.62%
money-weighted
The journey, month by month
Worst fall on the way
-34%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,37,409
Modelled at historical FD rates. The fund beat FD by ₹1,58,065.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹28,000 | ₹30,184 | +7.8% |
| Year 2 (1 Oct 2018) | ₹52,000 | ₹55,831 | +7.4% |
| Year 3 (30 Sept 2019) | ₹74,000 | ₹81,553 | +10.2% |
| Year 4 (30 Sept 2020) | ₹98,000 | ₹1,12,776 | +15.1% |
| Year 5 (30 Sept 2021) | ₹1,22,000 | ₹2,15,711 | +76.8% |
| Year 6 (30 Sept 2022) | ₹1,46,000 | ₹2,37,178 | +62.5% |
| Year 7 (3 Oct 2023) | ₹1,72,000 | ₹3,13,654 | +82.4% |
| Year 8 (30 Sept 2024) | ₹1,94,000 | ₹4,52,742 | +133.4% |
| Year 9 (30 Sept 2025) | ₹2,18,000 | ₹4,65,246 | +113.4% |
| Year 10 (30 Sept 2026) | ₹2,42,000 | ₹4,95,474 | +104.7% |
Best year of the journey: Year 5 (+57.7% market move) · Toughest year: Year 9 (-2.4%)
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 Union Flexi Cap Fund's published NAV (source: AMFI) between 30 Sept 2016 and 30 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.