₹25,000 Monthly SIP in UTI Money Market Fund for 10 Years
If you had started a ₹25,000/month SIP on 1 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI Money Market Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹56,86,223
1 Oct 2026
Absolute gain
+₹26,61,223
+88%
XIRR (annualised)
12.21%
money-weighted
The journey, month by month
Worst fall on the way
-3.5%
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
₹41,93,791
Modelled at historical FD rates. The fund beat FD by ₹14,92,432.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2017) | ₹3,25,000 | ₹3,25,070 | +0% |
| Year 2 (1 Oct 2018) | ₹6,25,000 | ₹6,25,834 | +0.1% |
| Year 3 (1 Oct 2019) | ₹9,25,000 | ₹9,26,081 | +0.1% |
| Year 4 (1 Oct 2020) | ₹12,25,000 | ₹12,32,035 | +0.6% |
| Year 5 (1 Oct 2021) | ₹15,25,000 | ₹15,67,921 | +2.8% |
| Year 6 (3 Oct 2022) | ₹18,25,000 | ₹18,46,777 | +1.2% |
| Year 7 (3 Oct 2023) | ₹21,25,000 | ₹22,24,927 | +4.7% |
| Year 8 (1 Oct 2024) | ₹24,25,000 | ₹25,28,591 | +4.3% |
| Year 9 (1 Oct 2025) | ₹27,25,000 | ₹29,54,080 | +8.4% |
| Year 10 (1 Oct 2026) | ₹29,75,000 | ₹56,35,420 | +89.4% |
Best year of the journey: Year 10 (+75.9% market move) · Toughest year: Year 6 (-1.1%)
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 Money Market funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Money Market Fund's published NAV (source: AMFI) between 1 Oct 2016 and 1 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.