₹5,000 Monthly SIP in Union Flexi Cap Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹12,38,684
30 Sept 2026
Absolute gain
+₹6,33,684
+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
₹8,43,522
Modelled at historical FD rates. The fund beat FD by ₹3,95,162.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹70,000 | ₹75,460 | +7.8% |
| Year 2 (1 Oct 2018) | ₹1,30,000 | ₹1,39,578 | +7.4% |
| Year 3 (30 Sept 2019) | ₹1,85,000 | ₹2,03,883 | +10.2% |
| Year 4 (30 Sept 2020) | ₹2,45,000 | ₹2,81,939 | +15.1% |
| Year 5 (30 Sept 2021) | ₹3,05,000 | ₹5,39,277 | +76.8% |
| Year 6 (30 Sept 2022) | ₹3,65,000 | ₹5,92,944 | +62.5% |
| Year 7 (3 Oct 2023) | ₹4,30,000 | ₹7,84,136 | +82.4% |
| Year 8 (30 Sept 2024) | ₹4,85,000 | ₹11,31,855 | +133.4% |
| Year 9 (30 Sept 2025) | ₹5,45,000 | ₹11,63,115 | +113.4% |
| Year 10 (30 Sept 2026) | ₹6,05,000 | ₹12,38,684 | +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.