What would a ₹25,000 monthly SIP in UTI - Overnight Fund be worth after 3 years?

Based on real NAV history from 27 Sept 2023 to 27 Sept 2026, a ₹25,000/month SIP (37 installments, ₹9,25,000 invested) would be worth ₹10,10,565 — an XIRR of 5.72%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹10,31,934. The fund trailed FD by ₹21,369.

How risky was this journey?

The portfolio fell up to 0% from its peak at the worst point, and survived 0 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹25,000 Monthly SIP in UTI - Overnight Fund for 3 Years

If you had started a ₹25,000/month SIP on 27 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Overnight Fund's actual NAV for all 37 installments.

You invested

₹9,25,000

37 installments

Value today

₹10,10,565

27 Sept 2026

Absolute gain

+₹85,565

+9.3%

XIRR (annualised)

5.72%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹10,31,934

Modelled at historical FD rates. The fund trailed FD by ₹21,369.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (27 Sept 2024)	₹3,25,000	₹3,37,323	+3.8%
Year 2 (27 Sept 2025)	₹6,25,000	₹6,67,249	+6.8%
Year 3 (27 Sept 2026)	₹9,25,000	₹10,10,565	+9.3%

Best year of the journey: Year 2 (+4.7% market move) · Toughest year: Year 1 (3.8%)

Wealth Time Machine

Watch this exact journey as a 60-second cinematic replay

Every crash headline, every recovery — with your money in it.

Try a different amount

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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 27 Sept 2023 and 27 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.