₹25,000 Monthly SIP in UTI Healthcare Fund for 5 Years
If you had started a ₹25,000/month SIP on 30 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI Healthcare Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹25,66,259
30 Sept 2026
Absolute gain
+₹10,41,259
+68.3%
XIRR (annualised)
20.61%
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
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,96,152
Modelled at historical FD rates. The fund beat FD by ₹7,70,107.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2022) | ₹3,25,000 | ₹3,14,515 | -3.2% |
| Year 2 (3 Oct 2023) | ₹6,50,000 | ₹7,77,848 | +19.7% |
| Year 3 (30 Sept 2024) | ₹9,25,000 | ₹15,90,914 | +72% |
| Year 4 (30 Sept 2025) | ₹12,25,000 | ₹18,84,212 | +53.8% |
| Year 5 (30 Sept 2026) | ₹15,25,000 | ₹25,66,259 | +68.3% |
Best year of the journey: Year 3 (+51.1% market move) · Toughest year: Year 1 (-3.2%)
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 Healthcare Fund's published NAV (source: AMFI) between 30 Sept 2021 and 30 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.