UTI Mutual Fund SIP Calculator
Plan your systematic investments and visualise wealth growth with the power of compounding.
💡 Quick Insights
- 🌱SIP benefits from compounding over time
- 📈Longer duration increases returns significantly
- ⚠️Market returns may vary — past performance ≠ future
Year-wise Breakdown
Investment growth each year
| Year | Invested | Interest | Total |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
💡 Quick Insights
- 🌱SIP benefits from compounding over time
- 📈Longer duration increases returns significantly
- ⚠️Market returns may vary — past performance ≠ future
SIP Formula
The math behind your returns
M = P × [(1 + i)n – 1] / i × (1 + i)UTI Mutual Fund — Key Facts (2026)
Quick reference for UTI Mutual Fund SIP investors
| AUM | Founded | Min SIP | Top Category | Best For |
|---|---|---|---|---|
| ₹3.2 lakh crore | 1964 | ₹500 | Flexi Cap | Conservative investors |
Top UTI Funds for SIP in 2026
Best performing UTI Mutual Fund schemes for systematic investment
| Fund Name | Category | 3-Year Returns* | Ideal For |
|---|---|---|---|
| UTI Flexi Cap | Flexi Cap | ~16% p.a. | Long-term growth |
| UTI Mid Cap | Mid Cap | ~22% p.a. | 7+ year SIP horizon |
| UTI NIFTY 50 Index | Index | ~13% p.a. | Diversified allocation |
*3-year returns are historical and do not guarantee future performance. Source: AMC websites, May 2026.
Why Choose UTI Mutual Fund for Your SIP?
India's oldest AMC (60+ years), strong index fund offering, government heritage
UTI Mutual Fund holds the distinction of being India's oldest asset management company, established in 1964 — over a decade before most of its current competitors. With 60+ years of operation, UTI has navigated multiple market cycles and remains one of India's most trusted AMC names among older investors. UTI has also built a strong passive investing franchise — its UTI Nifty 50 Index Fund is one of the most recommended low-cost index SIP options for investors who prefer market-linked returns without active management risk.
Is UTI Mutual Fund Right for You?
✅ Best For
Conservative investors, index fund SIP investors
⚠️ Keep in Mind
UTI's actively managed equity funds have not always matched top private-sector peers on returns — its strongest value proposition remains the low-cost index fund range.