₹5,000 Monthly SIP in Union Overnight Fund for 5 Years
If you had started a ₹5,000/month SIP on 7 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using Union Overnight Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,53,953
7 Aug 2026
Absolute gain
+₹48,953
+16.1%
XIRR (annualised)
5.94%
money-weighted
The journey, month by month
Worst fall on the way
0%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,57,440
Modelled at historical FD rates. The fund trailed FD by ₹3,487.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2022) | ₹65,000 | ₹66,307 | +2% |
| Year 2 (7 Aug 2023) | ₹1,25,000 | ₹1,32,291 | +5.8% |
| Year 3 (7 Aug 2024) | ₹1,85,000 | ₹2,03,248 | +9.9% |
| Year 4 (7 Aug 2025) | ₹2,45,000 | ₹2,77,681 | +13.3% |
| Year 5 (7 Aug 2026) | ₹3,05,000 | ₹3,53,953 | +16.1% |
Best year of the journey: Year 3 (+5.7% market move) · Toughest year: Year 1 (2%)
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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Same SIP in other Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Union Overnight Fund's published NAV (source: AMFI) between 7 Aug 2021 and 7 Aug 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.