₹25,000 Monthly SIP in Union Flexi Cap Fund for 5 Years
If you had started a ₹25,000/month SIP on 30 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Union Flexi Cap Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹19,47,481
30 Sept 2026
Absolute gain
+₹4,22,481
+27.7%
XIRR (annualised)
9.57%
money-weighted
The journey, month by month
Worst fall on the way
-13.4%
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
₹17,96,152
Modelled at historical FD rates. The fund beat FD by ₹1,51,329.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2022) | ₹3,25,000 | ₹3,27,564 | +0.8% |
| Year 2 (3 Oct 2023) | ₹6,50,000 | ₹7,58,175 | +16.6% |
| Year 3 (30 Sept 2024) | ₹9,25,000 | ₹13,52,320 | +46.2% |
| Year 4 (30 Sept 2025) | ₹12,25,000 | ₹16,25,443 | +32.7% |
| Year 5 (30 Sept 2026) | ₹15,25,000 | ₹19,47,481 | +27.7% |
Best year of the journey: Year 3 (+30.9% market move) · Toughest year: Year 4 (-1.6%)
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 2021 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.