₹10,000 Monthly SIP in UTI - Flexi Cap Fund for 5 Years
If you had started a ₹10,000/month SIP on 18 Aug 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
₹7,56,473
18 Aug 2026
Absolute gain
+₹1,46,473
+24%
XIRR (annualised)
8.52%
money-weighted
The journey, month by month
Worst fall on the way
-14.5%
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
₹7,16,159
Modelled at historical FD rates. The fund beat FD by ₹40,314.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,30,000 | ₹1,30,249 | +0.2% |
| Year 2 (18 Aug 2023) | ₹2,50,000 | ₹2,59,892 | +4% |
| Year 3 (19 Aug 2024) | ₹3,70,000 | ₹4,67,851 | +26.4% |
| Year 4 (18 Aug 2025) | ₹4,90,000 | ₹6,10,746 | +24.6% |
| Year 5 (18 Aug 2026) | ₹6,10,000 | ₹7,56,473 | +24% |
Best year of the journey: Year 3 (+23.2% market move) · Toughest year: Year 1 (0.2%)
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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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 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.