UTI SIP Plans

Top UTI SIP Plans in India in 2026

You can learn the best SIP plans offered by UTI Mutual Fund from the following table:

Details of UTI SIP Plans

1. UTI Gold ETF FoF Direct - Growth

   This fund aims to give returns that closely match the price of domestic gold by investing mainly in units of the UTI Gold ETF. It offers gold exposure without the need to buy or store physical gold. This makes it a good choice for diversification and inflation protection, especially in 2026 when global uncertainties are high.

   Parameters	Details
   Fund Name	UTI Gold ETF FoF Direct-Growth
   NAV	₹ 27.27 (as on 3rd August, 2026)
   AUM	₹1,299.32 Crs
   Expense Ratio	0.09%
   Return 5 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹25
   Risk Level	Principal at high risk
   Launch Date	28th October, 2022
   Asset Allocation	Others: 1.09%, Commodities: 98.91%
   Top Sectors	NA
   Top Holdings	UTI Gold Exchange Traded Fund Net Current Assets Net Payables
   Fund Managers	Sharwan Kumar Goyal Ayush Jain
   Fund Type	Open-ended

2. UTI Transportation and Logistics Fund Direct-Growth

   This scheme focuses on companies involved in transportation and logistics. Its goal is to create long-term capital growth by investing in equity and related instruments from this sector. Since it is a sector fund, returns are linked to how well India’s logistics and supply chain industry grows in the coming years.

   Parameters	Details
   Fund Name	UTI Transportation and Logistics Fund Direct-Growth
   NAV	₹ 353.73 (as on 3rd August, 2026)
   AUM	₹3,962.19 Crs
   Expense Ratio	0.87%
   Return 5 Years	21.33%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.85%, Debt: 0.16%, Others: 3.99%
   Top Sectors	Consumer Discretionary Industrials Technology
   Top Holdings	Mahindra & Mahindra Ltd Maruti Suzuki India Ltd Eicher Motors Ltd Zomato Ltd Bajaj Auto Ltd Adani Ports and Special Economic Zone Ltd Interglobe Aviation Ltd Net Current Assets Hero Motocorp Ltd Hyundai Motor India Ltd.
   Fund Managers	NA
   Fund Type	Open-ended

3. UTI Healthcare Fund Direct-Growth

   The fund aims for long-term capital appreciation by investing in companies related to healthcare services. It follows a value-based investing approach across different market caps. With India’s healthcare sector expanding rapidly in 2026, this fund tries to capture growth from rising medical needs and innovation.

   Parameters	Details
   Fund Name	UTI Healthcare Fund Direct-Growth
   NAV	₹ 383.56 (as on 3rd August, 2026)
   AUM	₹1,307.98 Crs
   Expense Ratio	1.27%
   Return 5 Years	15.77%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 95.05%, Debt: 0.01%, Others: 4.95%
   Top Sectors	NA
   Top Holdings	Sun Pharmaceutical Industries Ltd Ajanta Pharma Ltd Lupin Ltd Net Current Assets Cipla Ltd Divi's Laboratories Ltd Glenmark Pharmaceuticals Ltd Procter & Gamble Health Ltd Gland Pharma Ltd Caplin Point Laboratories Ltd
   Fund Managers	NA
   Fund Type	Open-ended

4. UTI Large & Mid Cap Fund Direct-Growth

   This scheme invests mainly in large-cap and mid-cap companies, with at least 35% allocation to each category as per SEBI rules. It combines stability from large companies and growth potential from mid-caps, making it suitable as a core SIP option for long-term investors.

   Parameters	Details
   Fund Name	UTI Large & Mid Cap Fund Direct-Growth
   NAV	₹ 204.37 (as on 3rd August, 2026)
   AUM	₹6,217.83 Crs
   Expense Ratio	1.08%
   Return 5 Years	15.6%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.41%, Debt: 0.13%, Others: 2.8%
   Top Sectors	Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare
   Top Holdings	HDFC Bank Ltd Net Current Assets ICICI Bank Ltd Infosys Ltd Reliance Industries Ltd Power Grid Corporation of India Ltd Larsen & Toubro Ltd ITC Ltd Vedanta Ltd The Federal Bank Ltd
   Fund Managers	NA
   Fund Type	Open-ended

5. UTI Multi Asset Allocation Fund Direct-Growth

   This fund invests across three major asset classes—equity, debt/money market instruments, and gold ETFs. The allocation is dynamic, with equity exposure between 40–80%, gold between 10–25%, and debt between 10–25%. It offers balanced diversification for moderate-risk investors, helping reduce volatility in uncertain 2026 markets.

   Parameters	Details
   Fund Name	UTI Multi Asset Allocation Fund Direct-Growth
   NAV	₹ 89.66 (as on 3rd August, 2026)
   AUM	₹6,890.13 Crs
   Expense Ratio	0.74%
   Return 5 Years	14.46%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 66.57%, Debt: 11.25%, Others: 4.79%, Commodities: 12.35%
   Top Sectors	Financial Energy & Utilities Healthcare Materials Technology Consumer Discretionary Industrials Consumer Staples
   Top Holdings	UTI Gold Exchange Traded Fund Cash Margin Net Current Assets ICICI Bank Ltd Bharti Airtel Ltd State Bank of India HDFC Bank Ltd ITC Ltd Kotak Mahindra Bank Ltd Infosys Ltd
   Fund Managers	Jaydeep Bhowal Sharwan Kumar Goyal
   Fund Type	Open-ended

6. UTI Dividend Yield Fund Direct-Growth

   This fund aims to provide medium- to long-term gains by investing in equity and equity-related instruments that offer high dividend yields. It is suitable for investors who want a mix of regular income through dividends along with long-term capital appreciation.

   Parameters	Details
   Fund Name	UTI Dividend Yield Fund Direct-Growth
   NAV	₹ 195.86 (as on 3rd August, 2026)
   AUM	₹3,749.04 Crs
   Expense Ratio	1.45%
   Return 5 Years	12.9%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 91.58%, Debt: 0.55%, Others: 1.63%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd State Bank of India Tech Mahindra Ltd Infosys Ltd Kotak Mahindra Bank Ltd Mahindra & Mahindra Ltd Bharti Airtel Ltd Power Grid Corporation of India Ltd Net Current Assets
   Fund Managers	NA
   Fund Type	Open-ended

7. UTI Small Cap Fund Direct - Growth

   The objective of this scheme is to generate long-term capital appreciation by investing mostly in small-cap companies. These businesses have high growth potential, making the fund ideal for aggressive investors who can stay invested for many years.

   Parameters	Details
   Fund Name	UTI Small Cap Fund Direct-Growth
   NAV	₹ 29.98 (as on 3rd August, 2026)
   AUM	₹5,213.42 Crs
   Expense Ratio	0.87%
   Return 5 Years	16.04%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	22nd December, 2020
   Asset Allocation	Equity: 95.51%, Debt: 0.02%, Others: 4.46%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Net Current Assets Multi Commodity Exchange Of India Ltd Karur Vysya Bank Ltd TD Power Systems Ltd City Union Bank Ltd Ami Organics Ltd Aster DM Healthcare Ltd Kei Industries Ltd UTI Liquid Direct-Growth Navin Fluorine International Ltd
   Fund Managers	NA
   Fund Type	Open-ended

8. UTI Infrastructure Fund Direct-Growth

   This scheme aims for long-term growth by investing in companies involved in India’s infrastructure sector. It benefits from ongoing government initiatives, rising capex, and expansion in areas like roads, power, railways, and utilities.

   Parameters	Details
   Fund Name	UTI Infrastructure Fund Direct-Growth
   NAV	₹ 155.09 (as on 3rd August, 2026)
   AUM	₹2,162.49 Crs
   Expense Ratio	1.9%
   Return 5 Years	14.84%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 96.09%, Debt: 0.01%, Others: 2.96%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology
   Top Holdings	Bharti Airtel Ltd Larsen & Toubro Ltd Reliance Industries Ltd NTPC Ltd Ultratech Cement Ltd Net Current Assets Interglobe Aviation Ltd Adani Ports and Special Economic Zone Ltd Oil & Natural Gas Corporation Ltd Axis Bank Ltd
   Fund Managers	Sachin Trivedi Deepesh Agarwal
   Fund Type	Open-ended

9. UTI Value Fund Direct-Growth

   This fund follows a pure value-investing strategy and invests in companies across market caps. It looks for fundamentally strong businesses that are undervalued. It suits patient investors who want to benefit from long-term price appreciation when value stocks recover.

   Parameters	Details
   Fund Name	UTI Value Fund Direct-Growth
   NAV	₹ 187.33 (as on 3rd August, 2026)
   AUM	₹9,439.61 Crs
   Expense Ratio	1.21%
   Return 5 Years	12.96%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	1st January, 2013
   Asset Allocation	Equity: 99.54%, Debt: 0.28%, Others: 0.19%
   Top Sectors	Financial Healthcare Materials Real Estate Technology Consumer Discretionary Industrials Consumer Staples Energy & Utilities
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd Bharti Airtel Ltd Infosys Ltd Axis Bank Ltd State Bank of India Kotak Mahindra Bank Ltd Mahindra & Mahindra Ltd Reliance Industries Ltd Tech Mahindra Ltd
   Fund Managers	NA
   Fund Type	Open-ended

10. UTI Mid Cap Fund Direct-Growth

    This scheme invests mainly in mid-cap companies with at least 65% allocation. It targets fast-growing mid-sized businesses with strong potential. It works well for investors comfortable with higher risk in exchange for long-term growth.

    Parameters	Details
    Fund Name	UTI Mid Cap Fund Direct-Growth
    NAV	₹ 356.23 (as on 3rd August, 2026)
    AUM	₹12,122.33 Crs
    Expense Ratio	1.15%
    Return 5 Years	13.21%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	1st January, 2013
    Asset Allocation	Equity: 99.06%, Debt: 0.01%, Others: 0.94%
    Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
    Top Holdings	Polycab India Ltd Phoenix Mills Ltd PB Fintech Ltd Max Financial Services Ltd Tube Investments Of India Ltd Persistent Systems Ltd Suzlon Energy Ltd The Federal Bank Ltd Net Current Assets Coforge Ltd
    Fund Managers	NA
    Fund Type	Open-ended

Key Information About UTI Mutual Fund

The key information about the UTI Mutual Fund is mentioned in the following table based on the latest 2026 data:

Key Benefits of UTI SIP Investment

The following are some of the main benefits of investing in a UTI Bank SIP plan: 

• Discipline & Rupee-Cost Averaging: You invest regularly (monthly) in your chosen investment plan so you don’t need to time the market. Over time, this leads to a smoother average buying price.
• Low Minimum Investment: With many schemes allowing SIP from ₹500, it’s easy even for salaried youngsters or small investors to start.
• Diversification Across Funds: UTI offers a wide range of funds,  from large-cap to mid-cap to hybrid funds, so you can mix based on your risk tolerance.
• Professional Fund Management: Experienced fund managers manage portfolios and make decisions on equity/debt mix, stock selection, adapting to market cycles. 
• Flexibility: You can start, stop, increase, or decrease SIP. You can also redeem (subject to exit load in some funds). 
• Good Track Record (for some funds): Funds like UTI Mid Cap, Flexi Cap, Large & Mid Cap have shown strong long-term growth in the past.

How to Choose the Correct UTI SIP Plans?

You can consider the following factors while choosing the best UTI SIP Plan for you:

• Time Horizon: Choose a UTI SIP fund based on how long you want to stay invested.
• Risk Appetite: Select a fund that matches your comfort with risk.
• Goal Type: Pick a SIP plan that fits your financial goal.
• Budget: Start your SIP with any amount that suits your monthly budget.
• Diversification: Mix different UTI funds to balance safety and growth.

UTI SIP Calculator Online

A UTI SIP calculator helps you estimate how much your investment may grow in the future. It asks for three basic inputs:

• Monthly SIP amount
• Investment period (in years)
• Expected annual return (based on past performance or assumptions)

Once you enter these details, the SIP calculator shows your estimated maturity amount. It helps you visualise how your money can grow if future returns stay similar to past trends.

Conclusion

UTI SIP Plans give you a simple and affordable way to invest regularly and build wealth over the long term. You can choose from different types of UTI funds such as flexi cap, mid cap, large cap, and index funds. Each category suits a different risk level and financial goal, making it easy to pick a plan that matches your needs and time horizon.