Use our UTI SIP Calculator, also commonly searched as “SIP Calculator UTI”, to plan your monthly investment in UTI mutual funds. Calculate your returns, compare UTI’s top funds, and discover which UTI fund fits your portfolio.
A Systematic Investment Plan, or SIP, is a method of investing in mutual funds where you contribute a fixed amount at regular intervals, typically every month. Instead of putting in a large lumpsum at one go, SIPs let you spread your investment over time.
Each month, a pre-decided amount is auto-debited from your bank account and used to buy units of your chosen mutual fund. Over time, this builds a disciplined investing habit while also smoothing out the impact of market ups and downs.
SIPs work well for long-term wealth creation because of two core principles. The first is rupee cost averaging, where you end up buying more units when prices are low and fewer when prices are high, which averages out your overall purchase cost. The second is compounding, where the returns generated on your investments themselves start generating returns, leading to faster wealth accumulation the longer you stay invested.
SIPs are flexible. You can start one, pause it, increase the amount, or stop it at any time. This makes them suitable for salaried investors, first-time investors, and anyone with a long-term financial goal like retirement, a home down payment, or a child’s education.
A SIP calculator uses a standard mathematical formula to estimate how much your monthly investment can grow into over time. The formula is:
M = P × ({[1 + i]ⁿ – 1} / i) × (1 + i)
Where:
Many people make the mistake of taking the expected annual return and simply dividing it by 12 to get the monthly rate. For instance, treating a 12% annual return as 1% per month. This gives an inflated result because mutual fund returns compound.
The correct approach is to convert the annual return into an effective monthly return using this formula:
Monthly Return = (1 + Annual Return)^(1/12) – 1
For an annual return of 12%, the effective monthly return works out to about 0.95%, not 1%. When you compound 0.95% monthly across 12 months, you correctly arrive at 12% annually. Using a flat 1% per month would compound to over 12.6% per year, overstating the maturity value.
Let’s say you invest ₹1,000 every month for 12 months at an expected annual return of 12%.
First, convert the annual return into a monthly rate:
i = (1 + 0.12)^(1/12) – 1 = 0.0095 (or 0.95%)
Now apply the SIP formula:
M = 1,000 × ({[1 + 0.0095]¹² – 1} / 0.0095) × (1 + 0.0095)
M ≈ ₹12,766
So a ₹1,000 monthly SIP for 12 months at 12% annual return grows to approximately ₹12,766 (₹12,000 invested + ₹766 gain).
Note that this assumes a steady rate of return throughout the SIP period. In reality, mutual fund returns vary with market conditions. The calculator gives you an estimate, not a guaranteed outcome.
Ranked by AUM, these are UTI’s largest mutual funds available for SIP. Past performance is not indicative of future results.
| Rank | Fund Name | Category | AUM (₹ Cr) | 5Y Return | 3Y Return | 1Y Return | Expense Ratio | Exit Load |
| 1 | UTI Flexi Cap Fund | Index | 24,433 | 10.4% | 11.9% | 0.6% | 0.21% | Nil |
| 2 | UTI Flexi Cap Fund | Flexi Cap | 20,438 | 6.3% | 9.1% | -6.7% | 1.05% | 1% within 1 year |
| 3 | UTI Large Cap Fund | Large Cap | 11,203 | 10.1% | 11.7% | -1.0% | 0.92% | 1% within 1 year |
| 4 | UTI Mid Cap Fund | Mid Cap | 10,482 | 14.9% | 17.0% | 4.4% | 0.92% | 1% within 1 year |
| 5 | UTI Value Fund | Value | 8,663 | 14.2% | 17.5% | 1.2% | 1.19% | 1% within 1 year |
| 6 | UTI Nifty200 Momentum 30 Index Fund | Index | 7,476 | 15.0% | 17.0% | 1.4% | 0.44% | Nil |
| 7 | UTI Multi Asset Allocation Fund | Multi Asset | 6,379 | 14.3% | 19.1% | 8.0% | 0.57% | 1% within 1 year |
| 8 | UTI Aggressive Hybrid Fund | Aggressive Hybrid | 6,115 | 14.2% | 15.8% | 3.1% | 1.19% | 1% within 1 year |
| 9 | UTI Nifty Next 50 Index Fund | Index | 5,551 | 13.9% | 19.9% | 3.1% | 0.35% | Nil |
| 10 | UTI Large & Mid Cap Fund | Large & Mid Cap | 5,234 | 17.5% | 21.5% | 5.5% | 0.91% | 1% within 1 year |
AUM and returns as of March 19, 2026. Source: AMFI
Past returns alone don’t determine the right fund for you. Fund suitability depends on your existing portfolio, risk profile, age, income, and financial goals.
NovaAI, Novelty Wealth’s AI-powered advisory engine, scores every UTI mutual fund on a personalized scale and recommends the funds best suited to you. The highest-scoring UTI fund for one investor may be different from the best pick for another.
Available on the Novelty Wealth app. Connect your existing portfolio and get personalized UTI fund scores and recommendations.
When investing in UTI mutual funds, you can choose between a SIP or a lumpsum (one-time) investment. Both have their place.
| Feature | SIP | Lumpsum |
| Investment style | Fixed amount every month | One-time large amount |
| Best suited for | Salaried investors, beginners, anyone investing gradually | Investors with idle cash and a clear market view |
| Market timing risk | Lower (purchase price averages out over time) | Higher (timing matters significantly) |
| Discipline | Built-in via auto-debit | Self-managed |
| Minimum capital | Low (small monthly amounts) | Higher upfront amount needed |
For most retail investors building long-term wealth, a SIP is the recommended approach. It removes the pressure of market timing and converts your monthly savings into long-term wealth. Lumpsum investments work better when you have a large windfall and a clear conviction that the market is undervalued.
You can use both approaches together. For instance, run a steady SIP and add a lumpsum investment whenever you have surplus cash.
UTI Mutual Fund, one of India’s leading mutual fund houses, was set up on 01-Feb-2003 (as per AMFI). It is sponsored by State Bank of India, Life Insurance Corporation of India, Bank of Baroda, Punjab National Bank.
With total direct-plan AUM of approximately ₹2.28 Lakh Cr, 77+ active direct plan schemes, and a track record of 23+ years, UTI Mutual Fund serves investors across equity, debt, hybrid, and index categories.
UTI offers schemes across major mutual fund categories, with funds suited to different risk profiles and investment goals.
Vetri Subramaniam became MD & CEO of UTI Asset Management Company effective February 1, 2026, succeeding Imtaiyazur Rahman. He previously served as CIO of UTI MF from 2021 to 2026.
UTI Mutual Fund covers all major fund categories Indian SIP investors commonly use. Below are some of the popular ones based on the top funds by AUM:
| Category | Fund Name |
| Index | UTI Nifty 50 Index Fund |
| Flexi Cap | UTI Flexi Cap Fund |
| Large Cap | UTI Large Cap Fund |
| Mid Cap | UTI Mid Cap Fund |
| Value | UTI Value Fund |
| Multi Asset | UTI Multi Asset Allocation Fund |
| Aggressive Hybrid | UTI Aggressive Hybrid Fund |
| Large & Mid Cap | UTI Large & Mid Cap Fund |
UTI’s product range spans across risk profiles, from equity-oriented schemes to hybrid and index funds.
UTI Nifty 50 Index Fund passively tracks a benchmark index. This is for investors who prefer a low-cost, passive approach to equity exposure. Use the UTI Nifty 50 Index Fund SIP calculator above to estimate your returns.
UTI Flexi Cap Fund invests across large, mid, and small-cap stocks based on market opportunities. This is for investors seeking diversified equity exposure with a long-term horizon. Use the UTI Flexi Cap Fund SIP calculator above to estimate your returns.
UTI Large Cap Fund invests primarily in India’s top 100 companies by market capitalization. This is for investors seeking exposure to established blue-chip companies with relatively lower volatility than mid or small-cap funds. Use the UTI Large Cap Fund SIP calculator above to estimate your returns.
UTI Mid Cap Fund invests primarily in Indian mid-cap companies, ranked 101st to 250th by market capitalization. This is for investors with higher risk appetite looking for growth-oriented mid-cap exposure over a long-term horizon. Use the UTI Mid Cap Fund SIP calculator above to estimate your returns.
UTI Value Fund follows a value investing approach, selecting stocks that appear undervalued relative to their fundamentals. This is for investors who believe in long-term value-driven investing. Use the UTI Value Fund SIP calculator above to estimate your returns.
UTI Nifty200 Momentum 30 Index Fund passively tracks a benchmark index. This is for investors who prefer a low-cost, passive approach to equity exposure. Use the UTI Nifty200 Momentum 30 Index Fund SIP calculator above to estimate your returns.
UTI Multi Asset Allocation Fund invests across multiple asset classes including equity, debt, and gold, providing diversification beyond pure equity. This is for investors seeking broad asset diversification within a single fund. Use the UTI Multi Asset Allocation Fund SIP calculator above to estimate your returns.
UTI Aggressive Hybrid Fund maintains a mix of equity and debt instruments with a higher equity tilt. This is for investors seeking equity-oriented growth with some debt allocation for stability. Use the UTI Aggressive Hybrid Fund SIP calculator above to estimate your returns.
UTI Nifty Next 50 Index Fund passively tracks a benchmark index. This is for investors who prefer a low-cost, passive approach to equity exposure. Use the UTI Nifty Next 50 Index Fund SIP calculator above to estimate your returns.
UTI Large & Mid Cap Fund invests in a mix of large-cap and mid-cap stocks. This is for investors looking to balance the stability of large-caps with the growth potential of mid-caps within a single scheme. Use the UTI Large & Mid Cap Fund SIP calculator above to estimate your returns.
The UTI SIP calculator estimates what your monthly SIP investment could grow into over time. Here’s how it works:
The calculator shows your total invested amount, wealth gained through compounding, and final maturity value. Use it to plan the monthly SIP amount needed for goals like retirement, children’s education, or long-term wealth creation.
| AMC Name | UTI Asset Management Company Limited |
| Date of Set Up of Mutual Fund | 01-Feb-2003 |
| Sponsors | State Bank of India, Life Insurance Corporation of India, Bank of Baroda, Punjab National Bank |
| MD & CEO | Vetri Subramaniam |
| CIO | Harish Krishnan (CIO - Equity), Kaustubh Gupta (CIO - Fixed Income) |
| SEBI Registration | MF/048/03/1 |
| Total Schemes (Direct Growth) | 77 |
| Equity Schemes | 34 |
| Debt Schemes | 26 |
| Hybrid Schemes | 11 |
| Total AUM | ₹2.28 Lakh Cr |
| Website | utimf.com |
Aditya Birla Sun Life equity mutual fund SIPs held for over 12 months are taxed as long-term capital gains (LTCG) at 12.5% on gains above ₹1.25 lakh per financial year. Gains within 12 months are taxed as short-term capital gains (STCG) at 20%. Aditya Birla Sun Life debt fund SIPs are taxed at your income tax slab rate, regardless of holding period (post April 2023 changes).
The right UTI fund for long-term SIP depends on your risk profile, existing portfolio, and goals. UTI offers funds across categories like large cap, mid cap, flexi cap, ELSS, and hybrid, each suited to different investor needs. Get your personalized NovaAI Score on the Novelty Wealth app to find the right UTI fund for your portfolio.
Equity mutual fund SIPs and bank FDs serve different purposes. SIPs carry market risk and aim for long-term wealth creation, while FDs are capital-protected and suited for short-term safety. The right choice depends on your goals, time horizon, and risk appetite.
Yes. NRIs can invest in UTI mutual funds via NRE/NRO accounts. NRI-specific KYC is required, and TDS may apply on redemption. US and Canada-based NRIs face some category restrictions under FATCA rules.
Most UTI equity funds charge a 1% exit load if you redeem units within 1 year of investment. ELSS funds have a 3-year mandatory lock-in (no exit load). Index funds typically have low or no exit loads. Always check the specific fund’s Scheme Information Document before investing.
Novelty Wealth scores every UTI mutual fund based on your unique portfolio, risk profile, and goals. Connect your existing investments and get tailored UTI fund recommendations from NovaAI.
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