₹1,000 Monthly SIP in UTI Banking and Financial Services Fund for 3 Years
If you had started a ₹1,000/month SIP on 3 Jul 2023 and never stopped — through every crash and rally — here is exactly what happened, using UTI Banking and Financial Services Fund's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹44,162
3 Jul 2026
Absolute gain
+₹7,162
+19.4%
XIRR (annualised)
12.12%
money-weighted
The journey, month by month
Worst fall on the way
-14.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,088
Modelled at historical FD rates. The fund beat FD by ₹3,074.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2024) | ₹13,000 | ₹15,188 | +16.8% |
| Year 2 (3 Jul 2025) | ₹25,000 | ₹30,319 | +21.3% |
| Year 3 (3 Jul 2026) | ₹37,000 | ₹44,162 | +19.4% |
Best year of the journey: Year 1 (+16.8% market move) · Toughest year: Year 3 (4.4%)
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 UTI Banking and Financial Services Fund's published NAV (source: AMFI) between 3 Jul 2023 and 3 Jul 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.