₹5,000 Monthly SIP in UTI Banking & PSU Fund for 10 Years
If you had started a ₹5,000/month SIP on 23 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
₹6,05,000
121 installments
Value today
₹8,62,285
23 Sept 2026
Absolute gain
+₹2,57,285
+42.5%
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
₹8,42,504
Modelled at historical FD rates. The fund beat FD by ₹19,781.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹65,000 | ₹67,757 | +4.2% |
| Year 2 (24 Sept 2018) | ₹1,25,000 | ₹1,32,782 | +6.2% |
| Year 3 (23 Sept 2019) | ₹1,85,000 | ₹1,94,771 | +5.3% |
| Year 4 (23 Sept 2020) | ₹2,45,000 | ₹2,72,323 | +11.2% |
| Year 5 (23 Sept 2021) | ₹3,05,000 | ₹3,44,757 | +13% |
| Year 6 (23 Sept 2022) | ₹3,65,000 | ₹4,39,316 | +20.4% |
| Year 7 (25 Sept 2023) | ₹4,25,000 | ₹5,34,055 | +25.7% |
| Year 8 (23 Sept 2024) | ₹4,85,000 | ₹6,38,758 | +31.7% |
| Year 9 (23 Sept 2025) | ₹5,45,000 | ₹7,53,689 | +38.3% |
| Year 10 (23 Sept 2026) | ₹6,05,000 | ₹8,62,285 | +42.5% |
Best year of the journey: Year 6 (+8.5% market move) · Toughest year: Year 3 (1%)
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 23 Sept 2016 and 23 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.