UTI SIP

Best Performing UTI SIP Funds

UTI Banking and Financial Services Fund

This is an equity oriented scheme which aims to provide capital appreciation to the investors by making an investment in the company stocks engaged in banking and financial services activities. This is a profitable fund option for investors who have a high-risk appetite and wants to gain maximum return on investment over a long-term period.

UTI Equity Fund

This is an open-ended equity fund which aims is to provide capital appreciation to the investors by investing majorly in equity, equity-oriented securities, convertible and non-convertible bonds, companies debentures, etc.  This is a great option of investment for those investors who wants to gain a high return on investment over a long-term period and have a high-risk appetite.

UTI Infrastructure Fund

This is an equity scheme which aims to provide long-term and medium-term capital appreciation along with the benefit of the regular income distribution. Under this plan option, the money is majorly invested in equity and equity related instruments of the companies. However, the return on investment totally depends on the performance of the fund. This plan is a good option of investment for investors who has a good knowledge of the market and who has the ability to take the risk.

UTI Crore Equity Fund

This is an open-ended equity fund which aims to provide capital growth to the investors by making the investment in equity and equity-linked securities of mid-cap and large-cap companies. The fund majorly invests in equity securities of top 100 stock by market capitalization. However, the return on investment totally depends on the performance of the fund. This plan is a good option of investment for investors who has a good knowledge of the market and who has the ability to take the risk. 

UTI Long-Term Equity Fund

This is an open-ended equity linked saving scheme which offers the dual benefit of investment cum tax savings.  Under this fund option, the money is invested in fully convertible bonds/debentures, equities, and warrant of companies. Along with the benefit of investment, the returns on long-term equity funds are eligible for tax exemption under section 80C of the Income Tax Act up to the maximum limit of Rs.1,50,000. This fund option is beneficial for individuals who have a moderately high-risk appetite and wants to gain a return on investment over a long-term period along with the benefit of tax exemption.

UTI MNS Fund

This is an equity oriented scheme which the focuses on offering capital appreciation to the investors by investing predominantly in liquid stocks and stocks of the multinational corporations. The fund collected under this scheme is invested in equity and equity-related securities. As the risk profile of UTI MNS fund is moderately high, this fund is a profitable investment option for investors who wants to gain a higher return on investment and have a high-risk appetite.

UTI Value Opportunity Fund

This is an equity oriented scheme which focuses to generate income distribution and capital appreciation by predominantly investing the amount in equity and equity instruments.  The fund majorly focuses on capitalizing the opportunities rising in the market due to continues change on India economy and moving its investment to various different sectors as per the prevailing trend change. However, the return on investment totally depends on the performance of the fund. This plan is a good option of investment for investors who has a good knowledge of the market and who has the ability to take the Things to keep in mind before starting a SIP

Investment Horizon

Although SIPs are flexible in nature,  it does not mean that the horizon of investment can be shortened. It totally depends on the investment goals of the investors and the type of funds they choose in the SIP portfolio. SIPs with a longer tenure of investment generally reap better wealth accumulation over a long-term period.

Risk Appetite

Prior to investing in SIP, it is very crucial to understand the risk appetite.  The risk appetite of an individual is determined based on many different factors such as liquidity needs, age, investment goal, nature of employment and investment tenure. By knowing one’s own risk appetite the investors can choose an apt SIP plan which can match according to their financial goals.

Exit Load

In SIP, every installment is considered as a new investment. Thus, if the investor withdraws the investment within the predefined time then an exit load is charged in the Net Asset  Value (NAV).  

Volatility

SIP is a type of mutual fund investment, thus it is subject to the market risk. Like all Mutual Funds, SIP is also subject to market risks. However, it is also considered as one of the best investment instrument to stand market volatility due to the benefit of rupee cost averaging and long-term investment option. Therefore, it is very important to read the documents of the scheme carefully before making an investment.  

How does UTI  SIP Calculator Work?

UTI SIP Calculator is an online tool, which helps the investors to compute the SIP returns over a specific period of time. the returns are calculated on the basis of the principal amount of compound interest. The investors are just required to enter the amount they wish to invest, choose the tenure of investment, and the UTI SIP calculator will quickly compute the returns for them. SIP calculator is a great investment tool as it helps the investors to decide the amount they want to invest in MF, as they might want to increase the amount of investment for much higher returns in the future.

Let’s take an example:

If a person invests Rs.10,000 for the term period of 10 years, then here is how the SIP investment will grow.

Monthly investment- Rs.10,000

Investment Period: 10 years

Total invested amount: Rs.12,00,000

Approximate long-term Growth rate:15%

Expected returns according to SIP calculator: Rs.27,86,573

Net Profit: Rs. 15,86,573 (Absolute Return= 132.2%)

Eligibility Criteria for Investment in UTI SIP Plans

In order to invest in UTI SIP Plan, the investors are needed to submit the below-mentioned information.

• Complete the process of registration and Know Your Customer (KYC) process.
• Address proof documents.
• Submit the Aadhar Card and PAN card. 

About UTI SIP

Launched in the year 1963, Unit Trust of India (UTI) Asset Management Company, is one of the oldest and largest asset management company in India. The company has over 1 crore investor’s base and offers an extensive range of fund option to the investors.  As a one-stop solution for all the investment needs, the investors can choose to invest in fund options ranging from equity, debt, money market, etc.