₹1,000 Monthly SIP in Union Focused Fund for 5 Years
If you had started a ₹1,000/month SIP on 7 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using Union Focused Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹78,386
7 Oct 2026
Absolute gain
+₹17,386
+28.5%
XIRR (annualised)
10.06%
money-weighted
The journey, month by month
Worst fall on the way
-14.1%
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
₹71,632
Modelled at historical FD rates. The fund beat FD by ₹6,754.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹13,000 | ₹13,206 | +1.6% |
| Year 2 (9 Oct 2023) | ₹25,000 | ₹28,091 | +12.4% |
| Year 3 (7 Oct 2024) | ₹37,000 | ₹48,350 | +30.7% |
| Year 4 (7 Oct 2025) | ₹49,000 | ₹63,428 | +29.4% |
| Year 5 (7 Oct 2026) | ₹61,000 | ₹78,386 | +28.5% |
Best year of the journey: Year 3 (+20.6% market move) · Toughest year: Year 1 (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 Focused Fund's published NAV (source: AMFI) between 7 Oct 2021 and 7 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.