₹1,000 Monthly SIP in UTI - Overnight Fund for 10 Years
If you had started a ₹1,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Overnight Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹36,50,523
18 Aug 2026
Absolute gain
+₹35,29,523
+2917%
XIRR (annualised)
64.65%
money-weighted
The journey, month by month
Worst fall on the way
-0.8%
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
₹1,68,458
Modelled at historical FD rates. The fund beat FD by ₹34,82,065.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹13,000 | ₹13,482 | +3.7% |
| Year 2 (18 Aug 2018) | ₹25,000 | ₹23,46,756 | +9287% |
| Year 3 (18 Aug 2019) | ₹37,000 | ₹25,05,395 | +6671.3% |
| Year 4 (18 Aug 2020) | ₹49,000 | ₹26,22,518 | +5252.1% |
| Year 5 (18 Aug 2021) | ₹61,000 | ₹27,16,095 | +4352.6% |
| Year 6 (18 Aug 2022) | ₹73,000 | ₹28,29,934 | +3776.6% |
| Year 7 (18 Aug 2023) | ₹85,000 | ₹30,20,969 | +3454.1% |
| Year 8 (18 Aug 2024) | ₹97,000 | ₹32,39,699 | +3239.9% |
| Year 9 (18 Aug 2025) | ₹1,09,000 | ₹34,54,520 | +3069.3% |
| Year 10 (18 Aug 2026) | ₹1,21,000 | ₹36,50,523 | +2917% |
Best year of the journey: Year 2 (+9109.5% market move) · Toughest year: Year 5 (3.1%)
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 Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI - Overnight 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.