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.

Read more

SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,554

NAV

116.73

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

Instant tax receipt
AUM (Cr)

₹2,693

NAV

72.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.68 15.84 15.41 %

Instant tax receipt
AUM (Cr)

₹3,256

NAV

71.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.4 16.29 15.25 %

Instant tax receipt
AUM (Cr)

₹5,482

NAV

82.51

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.42 12.78 14.99 %

Instant tax receipt
AUM (Cr)

₹35,798

NAV

77.53

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.36 14.86 14.73 %

Instant tax receipt
AUM (Cr)

₹426

NAV

68.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.61 13.53 14.45 %

Instant tax receipt
AUM (Cr)

₹4,390

NAV

69.25

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.55 14.76 14.37 %

Instant tax receipt
AUM (Cr)

₹3,508

NAV

41.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.87 13.28 14.19 %

Instant tax receipt
AUM (Cr)

₹7,258

NAV

155.85

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.42 13.28 14.03 %

Instant tax receipt
AUM (Cr)

₹235

NAV

50.18

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.23 14.85 13.96 %

Instant tax receipt
AUM (Cr)

₹2,693

NAV

72.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.68 15.84 15.41 %

AUM (Cr)

₹3,256

NAV

71.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.4 16.29 15.25 %

AUM (Cr)

₹426

NAV

68.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.61 13.53 14.45 %

AUM (Cr)

₹4,390

NAV

69.25

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.55 14.76 14.37 %

AUM (Cr)

₹3,508

NAV

41.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.87 13.28 14.19 %

AUM (Cr)

₹7,258

NAV

155.85

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.42 13.28 14.03 %

AUM (Cr)

₹235

NAV

50.18

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.23 14.85 13.96 %

AUM (Cr)

₹104

NAV

56.36

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.33 14.52 13.71 %

AUM (Cr)

₹13,106

NAV

82.18

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.95 12.69 13.15 %

AUM (Cr)

₹826

NAV

29.51

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.14 12.49 12.38 %

AUM (Cr)

₹10,554

NAV

116.73

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 28.6 21.1 17.8 %

AUM (Cr)

₹5,482

NAV

82.51

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.42 12.78 14.99 %

AUM (Cr)

₹35,798

NAV

77.53

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.36 14.86 14.73 %

AUM (Cr)

₹2,211

NAV

63.29

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 26.44 21.21 20.24 %

AUM (Cr)

₹6

NAV

10.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.5 15.5 %

AUM (Cr)

₹1,006

NAV

73.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.7 14.46 14.85 %

AUM (Cr)

₹13,589

NAV

69.68

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.71 13.49 13.43 %

AUM (Cr)

₹1,093

NAV

53.55

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.88 12.65 12.58 %

AUM (Cr)

₹522

NAV

57.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.7 11.8 11.71 %

AUM (Cr)

₹215

NAV

94.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.99 8.41 8.51 %

AUM (Cr)

₹831

NAV

40.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.16 7.95 7.7 %

AUM (Cr)

₹485

NAV

38.29

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.84 7.98 7.5 %

AUM (Cr)

₹74

NAV

40.92

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.65 7.39 7.2 %

AUM (Cr)

₹120

NAV

29.5

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.14 7.08 7.19 %

AUM (Cr)

₹198

NAV

46.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.08 7.41 7.12 %

AUM (Cr)

₹19,241

NAV

49.71

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.62 7.3 7.03 %

AUM (Cr)

₹7,343

NAV

32.17

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.18 7.07 7.01 %

AUM (Cr)

₹90

NAV

38.65

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.5 7.4 7 %

AUM (Cr)

₹1,064

NAV

46.54

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.1 7.29 6.97 %

AUM (Cr)

₹892

NAV

98.7

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.66 15.94 15.51 %

AUM (Cr)

₹363

NAV

48.12

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.38 11.02 10.74 %

AUM (Cr)

₹492

NAV

103.74

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.38 10.02 10.23 %

AUM (Cr)

₹5,491

NAV

39.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.54 9.92 10.23 %

AUM (Cr)

₹65

NAV

60.34

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.88 9.71 10.22 %

AUM (Cr)

₹22,609

NAV

72.85

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.14 9.83 10.07 %

AUM (Cr)

₹279

NAV

31.47

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.33 9.38 9.96 %

AUM (Cr)

₹7,725

NAV

110.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.88 10.03 9.95 %

AUM (Cr)

₹820

NAV

39.21

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.32 9.98 9.9 %

AUM (Cr)

₹1,939

NAV

43.63

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.92 9.7 9.79 %

AUM (Cr)

₹1,321

NAV

81.46

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.97 13.18 14.01 %

AUM (Cr)

₹7,241

NAV

155.14

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 17.64 13.26 13.96 %

AUM (Cr)

₹2,935

NAV

69.1

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.82 12.75 13.39 %

View More

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.

List of Investment Funds

Select insurers
Select plans

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 reinvested and also earn returns. This compounding effect can significantly grow your wealth over the long term, especially when you invest consistently in the Best SIP Plans.

  • 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
High Growth Fund Axis Max Life
Rating
28.6% 21.1%
17.8%
View Plan
India Consumption Fund Tata AIA Life
Rating
26.44% 21.21%
20.24%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
20.42% 12.78%
14.99%
View Plan
Opportunities Fund HDFC Life
Rating
21.36% 14.86%
14.73%
View Plan
Pension India Consumption Fund ICICI Prudential Life
Rating
20.5% -
15.5%
View Plan
Multiplier Birla Sun Life
Rating
22.2% 14.74%
15.75%
View Plan
Virtue II PNB MetLife
Rating
20.4% 16.29%
15.25%
View Plan
Growth Plus Fund Canara HSBC Life
Rating
15.46% 10.38%
11.08%
View Plan
Balanced Fund LIC India
Rating
10.91% -
-
View Plan
Equity Fund SBI Life
Rating
16.9% 11.92%
12.05%
View Plan
Fund rating powered by
Last updated: Aug 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
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: August 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

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

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
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Total Wealth ₹22.4 L
View Plans
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
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
17.8%
High Growth Fund
India Consumption Fund
20.24%
India Consumption Fund
Accelerator Mid-Cap Fund II
14.99%
Accelerator Mid-Cap Fund II
Global Equity Index Funds Strategy
15.24%
Global Equity Index Funds Strategy
Pension India Consumption Fund
15.5%
Pension India Consumption Fund
Multiplier
15.75%
Multiplier
Virtue II
15.25%
Virtue II
Growth Plus Fund
11.08%
Growth Plus Fund
Accelerator Fund
13.96%
Accelerator Fund
Pension Dynamic Equity Fund
11.46%
Pension Dynamic Equity Fund
Frontline Equity Fund
14.37%
Frontline Equity Fund
Equity Pension
12.56%
Equity Pension
Equity Top 250 Fund
11.71%
Equity Top 250 Fund
Growth Opportunities Plus Fund
14.85%
Growth Opportunities Plus Fund
Future Apex Fund
13.71%
Future Apex Fund
US Equity Fund
13.87%
US 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. 

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.

SIP Hub

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

SIP plans articles

Recent Articles
Popular Articles
SIP Plan for 5 Years

20 Aug 2025

Systematic Investment Plans (SIPs) are one of the most efficient
Read more
HDFC SIP प्लान्स

13 Aug 2025

HDFC SIP (सिस्टमैटिक
Read more
Perpetual SIP

01 Aug 2025

Wealth creation is a result of long-term investing. In a
Read more
Difference Between SIP and Mutual Fund

22 Jul 2025

For new investors, the terms SIP and mutual fund often create
Read more
Star Union Dai-ichi SIP Plan

15 Jul 2025

Star Union Dai-ichi Life Insurance Co. Ltd. (SUD Life) offers a
Read more
SIP Calculator
  • 10 Apr 2018
  • 1049109
An SIP is a disciplined way to invest in mutual funds. It involves contributing a fixed amount regularly
Read more
SIP Investment Plans - SIP Funds to Invest in India
  • 01 Feb 2017
  • 1114886
A Systematic Investment Plan (SIP) is a smart and convenient way to invest in mutual funds. It allows you to
Read more
Best SIP Plans
  • 14 Feb 2020
  • 287264
Best SIP Plans to Invest in India in 2025 Systematic Investment Plans (SIPs) have become a popular investment
Read more
₹1000 SIP for 20 Years
  • 08 Jan 2025
  • 9129
A ₹1000 SIP for 20 years is an easy and smart way to invest small amounts regularly. By investing ₹1000 every
Read more
SBI SWP
  • 07 Apr 2025
  • 8538
SBI SWP, or Systematic Withdrawal Plan, is a popular investment option offered by SBI Mutual Fund. An SBI SWP
Read more

Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)
Claude
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL