What would a ₹10,000 monthly SIP in Union Value Fund be worth after 3 years?

Based on real NAV history from 1 Sept 2023 to 1 Sept 2026, a ₹10,000/month SIP (37 installments, ₹3,70,000 invested) would be worth ₹4,13,786 — an XIRR of 7.6%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹4,10,808. The fund beat FD by ₹2,978.

How risky was this journey?

The portfolio fell up to 9.8% from its peak at the worst point, and survived 0 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹10,000 Monthly SIP in Union Value Fund for 3 Years

If you had started a ₹10,000/month SIP on 1 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using Union Value Fund's actual NAV for all 37 installments.

You invested

₹3,70,000

37 installments

Value today

₹4,13,786

1 Sept 2026

Absolute gain

+₹43,786

+11.8%

XIRR (annualised)

7.6%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-9.8%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹4,10,808

Modelled at historical FD rates. The fund beat FD by ₹2,978.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (2 Sept 2024)	₹1,30,000	₹1,56,313	+20.2%
Year 2 (1 Sept 2025)	₹2,50,000	₹2,76,928	+10.8%
Year 3 (1 Sept 2026)	₹3,70,000	₹4,13,786	+11.8%

Best year of the journey: Year 1 (+20.2% market move) · Toughest year: Year 2 (0.2%)

Wealth Time Machine

Watch this exact journey as a 60-second cinematic replay

Every crash headline, every recovery — with your money in it.

Try a different amount

Try a different duration

Same SIP in other Value / Contra funds

Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Union Value Fund's published NAV (source: AMFI) between 1 Sept 2023 and 1 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.