₹1,000 Monthly SIP in Union Innovation & Opportunities Fund for 3 Years
If you had started a ₹1,000/month SIP on 9 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using Union Innovation & Opportunities Fund's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹45,892
7 Oct 2026
Absolute gain
+₹8,892
+24%
XIRR (annualised)
14.73%
money-weighted
The journey, month by month
Worst fall on the way
-17.6%
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
₹41,121
Modelled at historical FD rates. The fund beat FD by ₹4,771.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹13,000 | ₹15,813 | +21.6% |
| Year 2 (7 Oct 2025) | ₹25,000 | ₹30,216 | +20.9% |
| Year 3 (7 Oct 2026) | ₹37,000 | ₹45,892 | +24% |
Best year of the journey: Year 1 (+21.6% market move) · Toughest year: Year 2 (8.6%)
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 Innovation & Opportunities Fund's published NAV (source: AMFI) between 9 Oct 2023 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.