₹2,000 Monthly SIP in UTI Medium Duration Fund for 5 Years
If you had started a ₹2,000/month SIP on 9 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI Medium Duration Fund's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,44,982
7 Aug 2026
Absolute gain
+₹22,982
+18.8%
XIRR (annualised)
6.9%
money-weighted
The journey, month by month
Worst fall on the way
-1.2%
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
₹1,42,958
Modelled at historical FD rates. The fund beat FD by ₹2,024.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Aug 2022) | ₹26,000 | ₹26,374 | +1.4% |
| Year 2 (7 Aug 2023) | ₹50,000 | ₹52,991 | +6% |
| Year 3 (7 Aug 2024) | ₹74,000 | ₹82,049 | +10.9% |
| Year 4 (7 Aug 2025) | ₹98,000 | ₹1,13,933 | +16.3% |
| Year 5 (7 Aug 2026) | ₹1,22,000 | ₹1,44,982 | +18.8% |
Best year of the journey: Year 4 (+7.4% market move) · Toughest year: Year 1 (1.4%)
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 Medium Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Medium Duration Fund's published NAV (source: AMFI) between 9 Aug 2021 and 7 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.