UTI SIP Calculator

UTI SIP Calculator

The UTI SIP Calculator helps investors estimate the future value of their investments in UTI Mutual Fund schemes through Systematic Investment Plans (SIPs). It provides a clear projection of wealth accumulation based on monthly contributions, investment duration, and expected returns.

How the UTI SIP Calculator Works

A SIP allows you to invest a fixed amount at regular intervals (typically monthly) into a mutual fund scheme. The calculator uses the compound interest formula to determine the estimated maturity amount based on:

• Monthly investment (SIP amount)
• Investment period (in years)
• Expected annual return rate

Formula Used:

The calculator applies the future value of an annuity formula:

FV = P × [(1 + r/n)^(nt) – 1] × (1 + r/n) / (r/n)

Where:

• FV = Future Value of investment
• P = Monthly SIP amount
• r = Expected annual return (as decimal)
• n = Number of compounding periods per year (usually 12 for monthly SIPs)
• t = Investment tenure in years

Key Inputs

1. Monthly SIP Amount
   Enter the fixed monthly amount you plan to invest (e.g., ₹1,000 to ₹1,00,000).
2. Investment Period
   Specify the number of years you wish to stay invested (typically 1 to 30 years).
3. Expected Return Rate (% p.a.)
   Choose an expected annual return rate. For UTI equity funds, 10–14% is commonly assumed. Conservative estimates help set realistic goals.

Output Provided

Once you input the values, the calculator shows:

• Total Invested Amount: Total contributions over time
• Estimated Returns: Gain on investment due to compounding
• Maturity Value: Total corpus at the end of the SIP period

This tool is ideal for financial planning and comparing long-term returns across different investment amounts and timeframes.

Benefits of Using the UTI SIP Calculator

• Quick Projections: Instantly calculate the expected maturity value
• Helps with Goal Planning: Align SIP investments with future goals (e.g., education, retirement)
• Flexible Scenarios: Test different SIP amounts, durations, and returns
• No Registration Required: Simple and free to use

Disclaimer : The results given by the above calculator are for illustration purpose only. They are often based on a number of assumptions. The results given are in no way any guarantee of the returns that will be given. Investments in stock markets and securities markets are subject to market risks and other risks. There is no guarantee of the return that will be actually given. Investment in other financial products may also be subject to market risks and other risks. There is no guarantee of the returns that will be given by them. The calculator also does not make any recommendation directly or indirectly. Please consult a registered Financial Advisor before taking any investment decision.