₹10,000 Monthly SIP in UTI - Flexi Cap Fund for 5 Years
If you had started a ₹10,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Flexi Cap Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,98,770
1 Oct 2026
Absolute gain
+₹88,770
+14.6%
XIRR (annualised)
5.46%
money-weighted
The journey, month by month
Worst fall on the way
-14.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,15,577
Modelled at historical FD rates. The fund trailed FD by ₹16,807.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹1,30,000 | ₹1,25,691 | -3.3% |
| Year 2 (3 Oct 2023) | ₹2,50,000 | ₹2,66,527 | +6.6% |
| Year 3 (1 Oct 2024) | ₹3,70,000 | ₹4,94,348 | +33.6% |
| Year 4 (1 Oct 2025) | ₹4,90,000 | ₹6,00,569 | +22.6% |
| Year 5 (1 Oct 2026) | ₹6,10,000 | ₹6,98,770 | +14.6% |
Best year of the journey: Year 3 (+27.9% market move) · Toughest year: Year 1 (-3.3%)
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 - Flexi Cap 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.