UTI SIP

UTI SIPs, offered by UTI Mutual Fund, a leading investment house in India, are a smart and convenient way to invest money. SIP stands for Systematic Investment Plan, allowing you to invest a fixed amount of money regularly (monthly, quarterly) into a chosen UTI mutual fund or other fund schemes.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
High Growth Fund Max Life Rating	27.23%	19.49%	17.86% View Plan
Top 200 Fund Tata AIA Rating	31.71%	20.36%	17.65% View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz Rating	24.9%	11.6%	13.7% View Plan
Opportunities Fund HDFC Standard Rating	26.28%	13.21%	14.29% View Plan
Equity II Fund Canara HSBC Oriental Bank Rating	21.15%	10.32%	9.16% View Plan
Grow Money Plus Fund Bharti AXA Rating	21.55%	13.76%	13.69% View Plan
Multiplier Birla Sun Life Rating	27.52%	12.37%	14.94% View Plan
Opportunities Fund ICICI Prudential Rating	24.05%	12.78%	11.87% View Plan
Flexi Growth Fund LIC Rating	-	-	- View Plan
Virtue II PNB Metlife Rating	23.2%	17.21%	15.2% View Plan

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Last updated: Mar 2025

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Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	23.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Last updated: Mar 2025

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SIP Calculator

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Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

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I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

17.86%

High Growth Fund

17.65%

Top 200 Fund

13.7%

Accelerator Mid-Cap Fund II

14.29%

Opportunities Fund

9.16%

Equity II Fund

12.7%

Accelerator Fund

13.69%

Grow Money Plus Fund

14.94%

Multiplier

11.41%

Equity Top 250 Fund

12.58%

Future Apex Fund

11.87%

Opportunities Fund

13.91%

Frontline Equity Fund

15.2%

Virtue II

10.42%

Pension Dynamic Equity Fund

11.81%

Top 300 Fund

9.94%

Blue-Chip Equity Fund

Buying the Dip Results in Higher Returns

Cost of Delay Calculator

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Monthly SIP Amount

/Month

Invest For (in Years)

Years

Stay Invested For (in Years)

Years

Expected return

% Annually

If you start SIP after (in Months)

Months

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

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What are UTI SIPs?

UTI SIPs refer to Systematic Investment Plans offered by UTI Mutual Fund, one of India's leading asset management companies. SIPs are a popular way to invest in mutual funds and other fund schemes by setting up a fixed amount for regular investment.

Here's what UTI SIPs are:

Systematic Investment: You invest a fixed amount at chosen intervals (monthly, quarterly, etc.) into a UTI fund scheme.

Benefits:

Disciplined Investing: It builds a habit of regular saving and avoids the need to time the market.
Rupee-Cost Averaging: By investing at regular intervals, you purchase units at different Net Asset Values (NAVs), potentially averaging out the cost per unit over time.
Flexibility: You can start with a minimum amount (often Rs. 500) and choose the investment tenure and SIP amount as per your goals.

UTI offers an SIP calculator to help you estimate potential returns based on your SIP amount, investment horizon, and expected rate of return. You can explore Policybazaar’s website or consult a financial advisor to learn more about specific UTI SIP plans and choose one that aligns with your financial goals.

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What are the Benefits of Investing in UTI SIPs?

Below mentioned are the advantages of investing in UTI SIPs:

Disciplined Investment: UTIs SIPs build a habit of regular saving. Instead of needing a large lump sum to invest, you can set up a fixed, automated contribution, ensuring consistent investment towards your financial goals.
Rupee-Cost Averaging: This is a powerful benefit of SIPs. By investing at regular intervals, you purchase units at different market prices. When the market is high, you buy fewer units, and vice versa. This helps average out the cost per unit over time, lowering the risk of market volatility.
Flexibility: UTI SIPs offer great flexibility. You can start with a minimum amount, as low as Rs. 500, making it easy for many investors. You also have control over the SIP amount and investment tenure, allowing you to personalise the plan to your financial goals and budget.
Power of Compounding: When you earn returns on your investment, those returns are then reinvested and also earn returns. This compounding effect can grow your wealth over the long term, especially with consistent investments through SIPs.
Potential Tax Benefits: Some UTI SIP plans, particularly Equity Linked Savings Schemes (ELSS), offer tax benefits under Section 80C of the Income Tax Act in India. You can claim deductions on your taxable income for your SIP contributions.

start-an-sip-today-watch-your-money-grow

How Does UTI SIP Investment Work?

Invest a fixed amount at chosen intervals (monthly, quarterly) into a UTI mutual fund scheme.
The chosen amount is automatically deducted from your bank account at each interval.
You receive units based on the current Net Asset Value (NAV) of the fund.
Regular investments at different NAVs can potentially average out the cost per unit.
Choose your investment amount, tenure, and start/stop investing anytime.

Illustration

Imagine you decide to invest Rs. 1,000 every month in a UTI Fund scheme via SIP.

Month 1: NAV is Rs. 10. You purchase 100 units (1,000 Rs./10 Rs. NAV).
Month 2: NAV increases to Rs. 12. You purchase 83.33 units (1,000 Rs./12 Rs. NAV).

This way, you keep buying units at different NAVs. Over time, this could help average out the cost per unit, potentially benefiting you in the long run.

How to Calculate Returns on UTI SIP Investments?

To calculate returns on UTI SIP investments, use an SIP calculator available on Policybazaar’s website. An SIP calculator is an online tool used to estimate potential returns on investments made through SIPs. The calculator will generate results based on the parameters provided. Analyze these projections to understand potential growth over time, adjusting parameters as needed. Use the calculator to align your investment strategy with financial goals and risk tolerance.

start-small-&-build-your-wealth-for-a-brighter-tomorrow

FAQs

What are the documents required to invest in UTI SIP Plans?
To invest in the UTI SIP Plan, the investors need to submit the below-mentioned documents:
- Complete the process of registration and Know Your Customer (KYC) process.
- Address proof documents.
- Submit the Aadhar Card and PAN card.
Is UTI SIP good?

It can be considered a good SIP. The Fund Performance has been as follows:
The annualized returns for the last 3 years & 5 years have been around 22.33% & 15.8%.
Can I invest 2000 rupees in SIP?

Yes, you can invest 2,000 rupees in a SIP. Many UTI SIPs and SIPs offered by other fund houses allow you to start with a minimum investment amount as low as Rs. 500. So an investment of Rs. 2,000 would be well within the acceptable range.