₹25,000 Monthly SIP in UTI - MNC Fund for 10 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹30,25,000
121 installments
Value today
₹54,63,069
18 Aug 2026
Absolute gain
+₹24,38,069
+80.6%
XIRR (annualised)
11.36%
money-weighted
The journey, month by month
Worst fall on the way
-29%
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
₹42,11,144
Modelled at historical FD rates. The fund beat FD by ₹12,51,925.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,56,812 | +9.8% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹7,52,975 | +20.5% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹9,32,432 | +0.8% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹13,87,030 | +13.2% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹21,88,231 | +43.5% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹26,90,768 | +47.4% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹32,07,510 | +50.9% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹47,19,284 | +94.6% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹48,72,117 | +78.8% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹54,63,069 | +80.6% |
Best year of the journey: Year 8 (+34.5% market move) · Toughest year: Year 3 (-11.4%)
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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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 18 Aug 2016 and 18 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.