₹25,000 Monthly SIP in UTI - GILT FUND for 10 Years
If you had started a ₹25,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI - GILT FUND's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹41,72,552
1 Oct 2026
Absolute gain
+₹11,47,552
+37.9%
XIRR (annualised)
6.31%
money-weighted
The journey, month by month
Worst fall on the way
-3.2%
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
₹41,94,050
Modelled at historical FD rates. The fund trailed FD by ₹21,498.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,25,000 | ₹3,38,365 | +4.1% |
| Year 2 (1 Oct 2018) | ₹6,25,000 | ₹6,46,672 | +3.5% |
| Year 3 (1 Oct 2019) | ₹9,25,000 | ₹10,65,782 | +15.2% |
| Year 4 (1 Oct 2020) | ₹12,25,000 | ₹14,76,694 | +20.5% |
| Year 5 (1 Oct 2021) | ₹15,25,000 | ₹18,52,605 | +21.5% |
| Year 6 (3 Oct 2022) | ₹18,25,000 | ₹21,84,657 | +19.7% |
| Year 7 (3 Oct 2023) | ₹21,25,000 | ₹26,47,853 | +24.6% |
| Year 8 (1 Oct 2024) | ₹24,25,000 | ₹32,39,427 | +33.6% |
| Year 9 (1 Oct 2025) | ₹27,25,000 | ₹37,01,602 | +35.8% |
| Year 10 (1 Oct 2026) | ₹30,25,000 | ₹41,72,552 | +37.9% |
Best year of the journey: Year 3 (+12.6% market move) · Toughest year: Year 2 (1.3%)
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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Same SIP in other Gilt funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI - GILT FUND's published NAV (source: AMFI) between 3 Oct 2016 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.