₹10,000 Monthly SIP in UTI - MNC Fund for 10 Years
If you had started a ₹10,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI - MNC Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹19,68,388
8 Oct 2026
Absolute gain
+₹7,58,388
+62.7%
XIRR (annualised)
9.44%
money-weighted
The journey, month by month
Worst fall on the way
-28.9%
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
₹16,79,645
Modelled at historical FD rates. The fund beat FD by ₹2,88,743.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,42,362 | +9.5% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,60,030 | +4% |
| Year 3 (9 Oct 2019) | ₹3,70,000 | ₹3,92,101 | +6% |
| Year 4 (8 Oct 2020) | ₹4,90,000 | ₹5,50,747 | +12.4% |
| Year 5 (8 Oct 2021) | ₹6,10,000 | ₹9,16,834 | +50.3% |
| Year 6 (10 Oct 2022) | ₹7,30,000 | ₹10,30,820 | +41.2% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹13,00,934 | +53.1% |
| Year 8 (8 Oct 2024) | ₹9,70,000 | ₹19,02,502 | +96.1% |
| Year 9 (8 Oct 2025) | ₹10,90,000 | ₹19,57,489 | +79.6% |
| Year 10 (8 Oct 2026) | ₹12,10,000 | ₹19,68,388 | +62.7% |
Best year of the journey: Year 5 (+36.7% market move) · Toughest year: Year 10 (-5.3%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI - MNC Fund's published NAV (source: AMFI) between 10 Oct 2016 and 8 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.