₹1,000 Monthly SIP in UTI Banking & PSU Fund for 10 Years
If you had started a ₹1,000/month SIP on 19 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI Banking & PSU Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,72,273
18 Sept 2026
Absolute gain
+₹51,273
+42.4%
XIRR (annualised)
6.86%
money-weighted
The journey, month by month
Worst fall on the way
-6.8%
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
₹1,68,358
Modelled at historical FD rates. The fund beat FD by ₹3,915.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹13,000 | ₹13,544 | +4.2% |
| Year 2 (18 Sept 2018) | ₹25,000 | ₹26,577 | +6.3% |
| Year 3 (18 Sept 2019) | ₹37,000 | ₹39,062 | +5.6% |
| Year 4 (18 Sept 2020) | ₹49,000 | ₹54,467 | +11.2% |
| Year 5 (20 Sept 2021) | ₹61,000 | ₹68,955 | +13% |
| Year 6 (19 Sept 2022) | ₹73,000 | ₹88,401 | +21.1% |
| Year 7 (18 Sept 2023) | ₹85,000 | ₹1,06,594 | +25.4% |
| Year 8 (19 Sept 2024) | ₹97,000 | ₹1,27,633 | +31.6% |
| Year 9 (18 Sept 2025) | ₹1,09,000 | ₹1,50,609 | +38.2% |
| Year 10 (18 Sept 2026) | ₹1,21,000 | ₹1,72,273 | +42.4% |
Best year of the journey: Year 6 (+9.2% market move) · Toughest year: Year 3 (1.3%)
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 Banking & PSU funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Banking & PSU Fund's published NAV (source: AMFI) between 19 Sept 2016 and 18 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.