₹25,000 Monthly SIP in UTI Banking & PSU Fund for 10 Years
If you had started a ₹25,000/month SIP on 9 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
₹30,25,000
121 installments
Value today
₹43,05,141
9 Sept 2026
Absolute gain
+₹12,80,141
+42.3%
XIRR (annualised)
6.88%
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
₹42,02,553
Modelled at historical FD rates. The fund beat FD by ₹1,02,588.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹3,25,000 | ₹3,38,626 | +4.2% |
| Year 2 (10 Sept 2018) | ₹6,25,000 | ₹6,64,002 | +6.2% |
| Year 3 (9 Sept 2019) | ₹9,25,000 | ₹9,76,580 | +5.6% |
| Year 4 (9 Sept 2020) | ₹12,25,000 | ₹13,61,712 | +11.2% |
| Year 5 (9 Sept 2021) | ₹15,25,000 | ₹17,22,848 | +13% |
| Year 6 (9 Sept 2022) | ₹18,25,000 | ₹22,19,789 | +21.6% |
| Year 7 (11 Sept 2023) | ₹21,25,000 | ₹26,62,138 | +25.3% |
| Year 8 (9 Sept 2024) | ₹24,25,000 | ₹31,81,716 | +31.2% |
| Year 9 (9 Sept 2025) | ₹27,25,000 | ₹37,60,270 | +38% |
| Year 10 (9 Sept 2026) | ₹30,25,000 | ₹43,05,141 | +42.3% |
Best year of the journey: Year 6 (+9.7% 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.
Try a different amount
Try a different duration
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 9 Sept 2016 and 9 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.