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UTI SIP Calculator

Calculate SIP returns effortlessly with UTI SIP Calculator. Plan your investments with confidence.

Monthly Investment

₹ 100
₹ 1,00,00,000

Expected Return Rate (p.a)


Time Period

1 yr
40 yr

Investment Amount


Estimated Returns


Maturity Value


Compound your wealth with SIP in Mutual Funds

*Investing in the securities market carries risk. Please do your own due diligence before investing.

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What is an UTI SIP Return Calculator?

The UTI SIP Return calculator provided by the UTI Mutual Fund is an online tool that allows investors to assess how much their investments through a Systematic Investment Plan (SIP) will be worth in the future.
Users can either find out the corpus amount at the end of the investment period or the monthly SIP amount required to reach a targeted corpus. Monthly SIP amount, expected rate of return, investment period and step-up percentage are among its inputs.
The calculator enables investors to set financial objectives objectively, and vary investment amounts with financial goals, risk appetite and budget. It also promotes financial discipline as investments are made irrespective of market fluctuations.

What is the Use of UTI SIP Calculator?

The UTI SIP calculator is a useful online tool for investors. Here are some of its uses:

1. Estimating the Corpus/Maturity Amount

The SIP calculator of UTI estimates the final investment amount or corpus at the end of the investment period. You have to enter the monthly SIP amount, expected rate of return and investment tenure.

Afterwards, the calculator forecasts probable returns from your SIP investments.

This feature assists in understanding how your investment could grow over time, helping in financial planning and goal setting.

2. Calculating the Monthly SIP Amount

The UTI SIP calculator is able to find the monthly SIP amount that must be invested in order to reach a particular corpus. The corpus amount and the investment period are provided as inputs by you.

Then, the calculator calculates the monthly investments required to achieve this objective.

When you have a specific financial goal in mind and want to know how much you should regularly invest to reach it, this feature becomes handy.

3. Future Financial Planning

The calculator allows for financial planning by adjusting variables such as investment amount, tenure, and return rates.

This tool quickly performs complex calculations, providing results that help you prepare your financial plans objectively.

By manipulating these variables, you can understand how changes in your investment strategy might impact your returns, aiding in making informed investment decisions.

4. Comparing Fund Schemes

The UTI SIP calculator enables comparison of different fund schemes. By inputting various parameters, you can see how different schemes perform under the same conditions.

This feature helps you make informed decisions about where to invest your money. It allows you to evaluate and choose the best-performing fund scheme that aligns with your financial goals and risk tolerance.

How can UTI SIP Calculator Help You?

The UTI Mutual Fund's online SIP calculator can help investors plan for financial goals by estimating the corpus amount at the end of an investment period and calculating the monthly SIP amount needed to reach a target corpus amount.

Guide on Using UTI SIP Calculator

Using the UTI SIP calculator is a straightforward process. Here are the steps:

  • Choose the UTI Mutual Fund Scheme: Plan the scheme in which you want to invest.
  • Enter the Amount: Input the amount you plan to invest regularly.
  • Choose the Investment Period: Specify the duration for which you want to invest.
  • Add estimated returns: Add returns you wish to expect from a mutual fund scheme.
  • Calculate: Click on the ‘Calculate’ button. The calculator will then estimate the returns on your SIP investment.

Remember, the results are based on the inputs and the expected rate of return. Actual returns may vary.

How to use UTI Lumpsum Calculator?

Using the UTI Lumpsum calculator is quite simple. Here are the steps:

  • Select the UTI Mutual Fund Scheme: Choose the scheme in which you want to make a lump sum investment
  • Enter the Investment Amount: Input the lumpsum amount you plan to invest.
  • Specify the Investment Duration: Enter the period for which you want to invest.
  • Calculate: Click on the ‘Calculate’ button. The calculator will then estimate the returns on your lumpsum investment.

How are Returns in UTI SIP Calculated?

To evaluate the profits on SIP UTI Mutual Fund investments, it is common to use the XIRR or the Extended Internal Rate of Return method as in any other mutual fund. XIRR is a measure that considers when and how much money comes in and goes out making it a good choice for calculating investment returns for SIPs where there may be many such transactions taking place over various periods.

The formula for XIRR is as follows:


In this formula:

  • values represent the series of cash flows.
  • dates are a series of dates that correspond to the given values.
  • guess is an initial guess of what the IRR will be.

About UTI Mutual Fund

UTI Mutual Fund is one of the oldest mutual fund companies in India, founded by the Government of India in 1963. It offers a range of over 50 products that cater to both basic and advanced investment needs. These include debt funds, hybrid funds, index funds, and liquid funds.

The company also provides a variety of investment ideas, such as sectoral bets, future-ready investments, rule-based investing, wealth creation, tax saving, and short-term parking.

UTI Mutual Fund has a nationwide distribution network spread across India. As of September 2023, it had over 22 million investor accounts under its 230 domestic schemes.

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