₹25,000 Monthly SIP in UTI Banking & PSU Fund for 5 Years
If you had started a ₹25,000/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
₹15,25,000
61 installments
Value today
₹18,44,650
18 Aug 2026
Absolute gain
+₹3,19,650
+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
₹17,90,368
Modelled at historical FD rates. The fund beat FD by ₹54,282.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹3,25,000 | ₹3,48,908 | +7.4% |
| Year 2 (18 Aug 2023) | ₹6,25,000 | ₹6,78,981 | +8.6% |
| Year 3 (19 Aug 2024) | ₹9,25,000 | ₹10,44,993 | +13% |
| Year 4 (18 Aug 2025) | ₹12,25,000 | ₹14,46,801 | +18.1% |
| Year 5 (18 Aug 2026) | ₹15,25,000 | ₹18,44,650 | +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.