₹1,000 Monthly SIP in UTI Large & Mid Cap Fund for 10 Years
If you had started a ₹1,000/month SIP on 31 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI Large & Mid Cap Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,87,323
31 Aug 2026
Absolute gain
+₹1,66,323
+137.5%
XIRR (annualised)
16.36%
money-weighted
The journey, month by month
Worst fall on the way
-36.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,817
Modelled at historical FD rates. The fund beat FD by ₹1,18,506.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (31 Aug 2017) | ₹13,000 | ₹14,421 | +10.9% |
| Year 2 (31 Aug 2018) | ₹25,000 | ₹28,412 | +13.6% |
| Year 3 (3 Sept 2019) | ₹38,000 | ₹36,621 | -3.6% |
| Year 4 (31 Aug 2020) | ₹49,000 | ₹50,077 | +2.2% |
| Year 5 (31 Aug 2021) | ₹61,000 | ₹99,038 | +62.4% |
| Year 6 (1 Sept 2022) | ₹74,000 | ₹1,18,071 | +59.6% |
| Year 7 (31 Aug 2023) | ₹85,000 | ₹1,54,588 | +81.9% |
| Year 8 (2 Sept 2024) | ₹98,000 | ₹2,53,129 | +158.3% |
| Year 9 (1 Sept 2025) | ₹1,10,000 | ₹2,57,730 | +134.3% |
| Year 10 (31 Aug 2026) | ₹1,21,000 | ₹2,87,323 | +137.5% |
Best year of the journey: Year 5 (+59.5% market move) · Toughest year: Year 3 (-11.6%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Large & Mid Cap Fund's published NAV (source: AMFI) between 31 Aug 2016 and 31 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.