₹10,000 Monthly SIP in UTI - Overnight Fund for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹3,65,05,228
18 Aug 2026
Absolute gain
+₹3,52,95,228
+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
₹16,84,576
Modelled at historical FD rates. The fund beat FD by ₹3,48,20,652.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,34,816 | +3.7% |
| Year 2 (18 Aug 2018) | ₹2,50,000 | ₹2,34,67,557 | +9287% |
| Year 3 (18 Aug 2019) | ₹3,70,000 | ₹2,50,53,949 | +6671.3% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹2,62,25,177 | +5252.1% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹2,71,60,948 | +4352.6% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹2,82,99,336 | +3776.6% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹3,02,09,687 | +3454.1% |
| Year 8 (18 Aug 2024) | ₹9,70,000 | ₹3,23,96,988 | +3239.9% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹3,45,45,195 | +3069.3% |
| Year 10 (18 Aug 2026) | ₹12,10,000 | ₹3,65,05,228 | +2917% |
Best year of the journey: Year 2 (+9109.6% 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.