₹25,000 Monthly SIP in Union Focused Fund for 5 Years
If you had started a ₹25,000/month SIP on 8 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
₹15,25,000
61 installments
Value today
₹19,21,759
8 Oct 2026
Absolute gain
+₹3,96,759
+26%
XIRR (annualised)
9.26%
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
₹17,91,110
Modelled at historical FD rates. The fund beat FD by ₹1,30,649.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2022) | ₹3,25,000 | ₹3,28,729 | +1.1% |
| Year 2 (9 Oct 2023) | ₹6,25,000 | ₹7,02,118 | +12.3% |
| Year 3 (8 Oct 2024) | ₹9,25,000 | ₹12,36,172 | +33.6% |
| Year 4 (8 Oct 2025) | ₹12,25,000 | ₹15,75,693 | +28.6% |
| Year 5 (8 Oct 2026) | ₹15,25,000 | ₹19,21,759 | +26% |
Best year of the journey: Year 3 (+23.4% market move) · Toughest year: Year 1 (1.1%)
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 8 Oct 2021 and 8 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.