₹10,000 Monthly SIP in UTI Nifty 50 Index Fund for 5 Years
If you had started a ₹10,000/month SIP on 22 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI Nifty 50 Index Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,04,930
22 Sept 2026
Absolute gain
+₹94,930
+15.6%
XIRR (annualised)
5.69%
money-weighted
The journey, month by month
Worst fall on the way
-12.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,17,470
Modelled at historical FD rates. The fund trailed FD by ₹12,540.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Sept 2022) | ₹1,30,000 | ₹1,34,218 | +3.2% |
| Year 2 (22 Sept 2023) | ₹2,50,000 | ₹2,81,015 | +12.4% |
| Year 3 (23 Sept 2024) | ₹3,70,000 | ₹5,15,507 | +39.3% |
| Year 4 (22 Sept 2025) | ₹4,90,000 | ₹6,32,209 | +29% |
| Year 5 (22 Sept 2026) | ₹6,10,000 | ₹7,04,930 | +15.6% |
Best year of the journey: Year 3 (+28.6% market move) · Toughest year: Year 5 (-6.3%)
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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Same SIP in other Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Nifty 50 Index Fund's published NAV (source: AMFI) between 22 Sept 2021 and 22 Sept 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.