₹25,000 Monthly SIP in UTI - MNC Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹49,20,970
8 Oct 2026
Absolute gain
+₹18,95,970
+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
₹41,99,113
Modelled at historical FD rates. The fund beat FD by ₹7,21,857.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹3,25,000 | ₹3,55,905 | +9.5% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹6,50,075 | +4% |
| Year 3 (9 Oct 2019) | ₹9,25,000 | ₹9,80,253 | +6% |
| Year 4 (8 Oct 2020) | ₹12,25,000 | ₹13,76,868 | +12.4% |
| Year 5 (8 Oct 2021) | ₹15,25,000 | ₹22,92,085 | +50.3% |
| Year 6 (10 Oct 2022) | ₹18,25,000 | ₹25,77,049 | +41.2% |
| Year 7 (9 Oct 2023) | ₹21,25,000 | ₹32,52,334 | +53.1% |
| Year 8 (8 Oct 2024) | ₹24,25,000 | ₹47,56,256 | +96.1% |
| Year 9 (8 Oct 2025) | ₹27,25,000 | ₹48,93,723 | +79.6% |
| Year 10 (8 Oct 2026) | ₹30,25,000 | ₹49,20,970 | +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.