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:
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.
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.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
21.07% |
|
| Tata AIA |
30.99% |
21.69% |
|
| Bajaj Allianz |
24.23% |
12.8% |
|
| HDFC Standard |
25.77% |
14.87% |
|
| Canara HSBC Oriental Bank |
17.51% |
10.29% |
|
| Bharti AXA |
23.03% |
15.02% |
|
| Birla Sun Life |
26.67% |
14.18% |
|
| ICICI Prudential |
22.68% |
13.38% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24% |
16.86% |
|
Fund rating powered by
Last updated: May 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
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.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.57%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.58%
Growth Plus Fund
13.35%
Accelerator Fund
14.61%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.48%
Equity Top 250 Fund
13.31%
Future Apex Fund
12.32%
Opportunities Fund
14.24%
Frontline Equity Fund
15.03%
Virtue II
10.88%
Pension Dynamic Equity Fund
11.8%
Equity Fund
10.32%
Blue-Chip Equity Fund
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.
