₹1,000 Monthly SIP in UTI - Overnight Fund for 10 Years
If you had started a ₹1,000/month SIP on 4 Oct 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
₹33,33,913
4 Oct 2026
Absolute gain
+₹32,12,913
+2655.3%
XIRR (annualised)
63.18%
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
₹1,67,864
Modelled at historical FD rates. The fund beat FD by ₹31,66,049.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Oct 2017) | ₹13,000 | ₹13,399 | +3.1% |
| Year 2 (4 Oct 2018) | ₹25,000 | ₹21,40,251 | +8461% |
| Year 3 (4 Oct 2019) | ₹37,000 | ₹22,83,007 | +6070.3% |
| Year 4 (4 Oct 2020) | ₹49,000 | ₹23,84,121 | +4765.6% |
| Year 5 (4 Oct 2021) | ₹61,000 | ₹24,70,385 | +3949.8% |
| Year 6 (4 Oct 2022) | ₹73,000 | ₹25,82,301 | +3437.4% |
| Year 7 (4 Oct 2023) | ₹85,000 | ₹27,62,371 | +3149.8% |
| Year 8 (4 Oct 2024) | ₹97,000 | ₹29,62,600 | +2954.2% |
| Year 9 (4 Oct 2025) | ₹1,09,000 | ₹31,55,801 | +2795.2% |
| Year 10 (4 Oct 2026) | ₹1,21,000 | ₹33,33,913 | +2655.3% |
Best year of the journey: Year 2 (+8326.5% 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 4 Oct 2016 and 4 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.