₹5,000 Monthly SIP in UTI Value Fund for 10 Years
If you had started a ₹5,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using UTI Value Fund's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹11,97,553
1 Oct 2026
Absolute gain
+₹5,92,553
+97.9%
XIRR (annualised)
13.18%
money-weighted
The journey, month by month
Worst fall on the way
-35.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹8,38,830
Modelled at historical FD rates. The fund beat FD by ₹3,58,723.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹65,000 | ₹70,073 | +7.8% |
| Year 2 (1 Oct 2018) | ₹1,25,000 | ₹1,36,171 | +8.9% |
| Year 3 (1 Oct 2019) | ₹1,85,000 | ₹1,97,762 | +6.9% |
| Year 4 (1 Oct 2020) | ₹2,45,000 | ₹2,74,800 | +12.2% |
| Year 5 (1 Oct 2021) | ₹3,05,000 | ₹5,11,655 | +67.8% |
| Year 6 (3 Oct 2022) | ₹3,65,000 | ₹5,73,011 | +57% |
| Year 7 (3 Oct 2023) | ₹4,25,000 | ₹7,49,029 | +76.2% |
| Year 8 (1 Oct 2024) | ₹4,85,000 | ₹12,08,134 | +149.1% |
| Year 9 (1 Oct 2025) | ₹5,45,000 | ₹12,16,599 | +123.2% |
| Year 10 (1 Oct 2026) | ₹6,05,000 | ₹11,97,553 | +97.9% |
Best year of the journey: Year 5 (+52.8% market move) · Toughest year: Year 10 (-6.2%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using UTI Value Fund's published NAV (source: AMFI) between 3 Oct 2016 and 1 Oct 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.