₹25,000 Monthly SIP in UTI Dividend Yield Fund for 10 Years
If you had started a ₹25,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI Dividend Yield Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹64,09,941
4 Sept 2026
Absolute gain
+₹33,84,941
+111.9%
XIRR (annualised)
14.43%
money-weighted
The journey, month by month
Worst fall on the way
-30.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,99,078
Modelled at historical FD rates. The fund beat FD by ₹22,10,863.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,54,888 | +9.2% |
| Year 2 (4 Sept 2018) | ₹6,25,000 | ₹7,29,303 | +16.7% |
| Year 3 (4 Sept 2019) | ₹9,25,000 | ₹9,69,255 | +4.8% |
| Year 4 (4 Sept 2020) | ₹12,25,000 | ₹13,62,284 | +11.2% |
| Year 5 (6 Sept 2021) | ₹15,25,000 | ₹26,18,055 | +71.7% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹28,11,160 | +54% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹37,24,124 | +75.3% |
| Year 8 (4 Sept 2024) | ₹24,25,000 | ₹60,81,127 | +150.8% |
| Year 9 (4 Sept 2025) | ₹27,25,000 | ₹60,81,165 | +123.2% |
| Year 10 (4 Sept 2026) | ₹30,25,000 | ₹64,09,941 | +111.9% |
Best year of the journey: Year 5 (+57.5% market move) · Toughest year: Year 3 (-5.8%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Dividend Yield Fund's published NAV (source: AMFI) between 6 Sept 2016 and 4 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.