₹5,000 Monthly SIP in UTI Banking & PSU Fund for 5 Years
If you had started a ₹5,000/month SIP on 1 Oct 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
₹3,05,000
61 installments
Value today
₹3,67,047
1 Oct 2026
Absolute gain
+₹62,047
+20.3%
XIRR (annualised)
7.46%
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
₹3,57,783
Modelled at historical FD rates. The fund beat FD by ₹9,264.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹65,000 | ₹68,490 | +5.4% |
| Year 2 (3 Oct 2023) | ₹1,25,000 | ₹1,35,208 | +8.2% |
| Year 3 (1 Oct 2024) | ₹1,85,000 | ₹2,08,563 | +12.7% |
| Year 4 (1 Oct 2025) | ₹2,45,000 | ₹2,87,845 | +17.5% |
| Year 5 (1 Oct 2026) | ₹3,05,000 | ₹3,67,047 | +20.3% |
Best year of the journey: Year 4 (+7.2% market move) · Toughest year: Year 2 (5.2%)
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 1 Oct 2021 and 1 Oct 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.