₹2,000 Monthly SIP in UTI Banking & PSU Fund for 5 Years
If you had started a ₹2,000/month SIP on 18 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI Banking & PSU Fund's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,47,572
18 Aug 2026
Absolute gain
+₹25,572
+21%
XIRR (annualised)
7.53%
money-weighted
The journey, month by month
Worst fall on the way
-1.1%
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
₹1,43,229
Modelled at historical FD rates. The fund beat FD by ₹4,343.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹26,000 | ₹27,913 | +7.4% |
| Year 2 (18 Aug 2023) | ₹50,000 | ₹54,319 | +8.6% |
| Year 3 (19 Aug 2024) | ₹74,000 | ₹83,599 | +13% |
| Year 4 (18 Aug 2025) | ₹98,000 | ₹1,15,744 | +18.1% |
| Year 5 (18 Aug 2026) | ₹1,22,000 | ₹1,47,572 | +21% |
Best year of the journey: Year 4 (+7.6% market move) · Toughest year: Year 2 (4.6%)
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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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 18 Aug 2021 and 18 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.