₹5,000 Monthly SIP in UTI - Overnight Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹1,82,52,614
18 Aug 2026
Absolute gain
+₹1,76,47,614
+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
₹8,42,288
Modelled at historical FD rates. The fund beat FD by ₹1,74,10,326.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹65,000 | ₹67,408 | +3.7% |
| Year 2 (18 Aug 2018) | ₹1,25,000 | ₹1,17,33,778 | +9287% |
| Year 3 (18 Aug 2019) | ₹1,85,000 | ₹1,25,26,975 | +6671.3% |
| Year 4 (18 Aug 2020) | ₹2,45,000 | ₹1,31,12,588 | +5252.1% |
| Year 5 (18 Aug 2021) | ₹3,05,000 | ₹1,35,80,474 | +4352.6% |
| Year 6 (18 Aug 2022) | ₹3,65,000 | ₹1,41,49,668 | +3776.6% |
| Year 7 (18 Aug 2023) | ₹4,25,000 | ₹1,51,04,843 | +3454.1% |
| Year 8 (18 Aug 2024) | ₹4,85,000 | ₹1,61,98,494 | +3239.9% |
| Year 9 (18 Aug 2025) | ₹5,45,000 | ₹1,72,72,598 | +3069.3% |
| Year 10 (18 Aug 2026) | ₹6,05,000 | ₹1,82,52,614 | +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.