₹25,000 Monthly SIP in UTI - Flexi Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹53,31,445
29 Sept 2026
Absolute gain
+₹23,06,445
+76.2%
XIRR (annualised)
10.84%
money-weighted
The journey, month by month
Worst fall on the way
-32.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,16,895
Modelled at historical FD rates. The fund beat FD by ₹11,14,550.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹3,25,000 | ₹3,53,115 | +8.7% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹7,24,385 | +11.4% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹10,49,614 | +13.5% |
| Year 4 (29 Sept 2020) | ₹12,25,000 | ₹14,84,728 | +21.2% |
| Year 5 (29 Sept 2021) | ₹15,25,000 | ₹29,39,219 | +92.7% |
| Year 6 (29 Sept 2022) | ₹18,25,000 | ₹29,30,533 | +60.6% |
| Year 7 (29 Sept 2023) | ₹21,25,000 | ₹35,40,958 | +66.6% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹50,22,878 | +107.1% |
| Year 9 (29 Sept 2025) | ₹27,25,000 | ₹51,32,538 | +88.4% |
| Year 10 (29 Sept 2026) | ₹30,25,000 | ₹53,31,445 | +76.2% |
Best year of the journey: Year 5 (+64.7% market move) · Toughest year: Year 6 (-9.5%)
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 29 Sept 2016 and 29 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.