What would a monthly SIP in UTI Flexi Cap Fund have actually grown to? The table below replays a ₹10,000/month SIP on real daily NAV history — no projections, no assumed returns.
| Period | Invested | Current value | Gain | XIRR |
|---|---|---|---|---|
| 10 years | ₹12.00L | ₹20.73L | ₹8.73L | 10.58% |
| 5 years | ₹6.00L | ₹6.87L | ₹87.32K | 5.42% |
| 3 years | ₹3.60L | ₹3.72L | ₹12.33K | 2.23% |
| 1 year | ₹1.20L | ₹1.19L | -₹1.12K | -1.80% |
XIRR is identical for any monthly amount — a ₹5,000 SIP simply halves the invested/value/gain figures above. Computed 2026-10-03 from 3,383 daily NAVs (2013-01-02 → 2026-10-01).
Change the amount, dates or annual step-up — the full simulator runs in your browser on live NAV data.
A ₹10,000 monthly SIP in UTI Flexi Cap Fund over the last 10 years would have grown to ₹20.73L on an investment of ₹12.00L — an XIRR of 10.58%. For instance, a 1-year SIP ending 2026-10-01 would currently show a paper loss of ₹1.12K — short-term volatility is normal in equity funds.
Advertised returns are point-to-point (lump sum at two dates). SIP XIRR accounts for money going in every month at different NAVs — it's the return your staggered investment actually earned, which is usually lower than the headline number in rising markets and higher in falling ones.
Most Indian equity funds accept ₹500–₹1,000 per month. Confirm the exact minimum in the scheme's SID/KIM before starting.
Yes. A SIP doesn't remove market risk — it only averages your purchase price. Over short periods the value can sit below what you invested, as the 1-year row above sometimes shows.
Daily NAV history published under AMFI, fetched via mfapi.in, replayed with the same engine as our SIP calculator. Figures are a historical illustration, not a prediction.