₹5,000 Monthly SIP in UTI Short Duration Fund - Discontinued Regular Option -Growth Sub Option for 15 Years
If you had started a ₹5,000/month SIP on 19 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using UTI Short Duration Fund - Discontinued Regular Option -Growth Sub Option's actual NAV for all 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹14,75,331
18 Sept 2026
Absolute gain
+₹5,70,331
+63%
XIRR (annualised)
6.21%
money-weighted
The journey, month by month
Worst fall on the way
-13.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,80,996
Modelled at historical FD rates. The fund trailed FD by ₹2,05,665.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2012) | ₹65,000 | ₹68,699 | +5.7% |
| Year 2 (18 Sept 2013) | ₹1,25,000 | ₹1,37,064 | +9.7% |
| Year 3 (18 Sept 2014) | ₹1,85,000 | ₹2,13,924 | +15.6% |
| Year 4 (18 Sept 2015) | ₹2,45,000 | ₹2,95,882 | +20.8% |
| Year 5 (19 Sept 2016) | ₹3,05,000 | ₹3,86,476 | +26.7% |
| Year 6 (18 Sept 2017) | ₹3,65,000 | ₹4,79,035 | +31.2% |
| Year 7 (18 Sept 2018) | ₹4,25,000 | ₹5,59,892 | +31.7% |
| Year 8 (18 Sept 2019) | ₹4,85,000 | ₹5,93,483 | +22.4% |
| Year 9 (18 Sept 2020) | ₹5,45,000 | ₹7,14,077 | +31% |
| Year 10 (20 Sept 2021) | ₹6,05,000 | ₹8,11,785 | +34.2% |
| Year 11 (19 Sept 2022) | ₹6,65,000 | ₹9,32,078 | +40.2% |
| Year 12 (18 Sept 2023) | ₹7,25,000 | ₹10,51,768 | +45.1% |
| Year 13 (19 Sept 2024) | ₹7,85,000 | ₹11,92,801 | +51.9% |
| Year 14 (18 Sept 2025) | ₹8,45,000 | ₹13,46,904 | +59.4% |
| Year 15 (18 Sept 2026) | ₹9,05,000 | ₹14,75,331 | +63% |
Best year of the journey: Year 9 (+9.3% market move) · Toughest year: Year 8 (-4.3%)
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 Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Short Duration Fund - Discontinued Regular Option -Growth Sub Option's published NAV (source: AMFI) between 19 Sept 2011 and 18 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.