₹5,000 Monthly SIP in UTI - Overnight Fund for 5 Years
If you had started a ₹5,000/month SIP on 21 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using UTI - Overnight Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,54,507
21 Sept 2026
Absolute gain
+₹49,507
+16.2%
XIRR (annualised)
5.92%
money-weighted
The journey, month by month
Worst fall on the way
0%
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
₹3,58,711
Modelled at historical FD rates. The fund trailed FD by ₹4,204.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2022) | ₹65,000 | ₹66,521 | +2.3% |
| Year 2 (21 Sept 2023) | ₹1,25,000 | ₹1,32,825 | +6.3% |
| Year 3 (21 Sept 2024) | ₹1,85,000 | ₹2,03,929 | +10.2% |
| Year 4 (21 Sept 2025) | ₹2,45,000 | ₹2,78,256 | +13.6% |
| Year 5 (21 Sept 2026) | ₹3,05,000 | ₹3,54,507 | +16.2% |
Best year of the journey: Year 3 (+5.8% market move) · Toughest year: Year 1 (2.3%)
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 21 Sept 2021 and 21 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.