UTI Nifty 50 Index Fund SIP Calculator
Calculate historical returns and project future compounding for UTI Nifty 50 Index. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Index Fund (Large Cap)
AUM
₹29,485 Cr
Expense Ratio
0.25%
Fund Manager
Sharwan Kumar Goyal
UTI Nifty 50 Index Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 6.0% CAGR | 5 Years @ 6.2% CAGR | 10 Years @ 11.2% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹39,520 Invested: ₹36,000 | ₹70,548 Invested: ₹60,000 | ₹2,21,974 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹98,801 Invested: ₹90,000 | ₹1,76,371 Invested: ₹1,50,000 | ₹5,54,936 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹1,97,602 Invested: ₹1,80,000 | ₹3,52,742 Invested: ₹3,00,000 | ₹11,09,872 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹3,95,203 Invested: ₹3,60,000 | ₹7,05,484 Invested: ₹6,00,000 | ₹22,19,745 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹9,88,008 Invested: ₹9,00,000 | ₹17,63,709 Invested: ₹15,00,000 | ₹55,49,362 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (5.98%), 5-year (6.23%), and 10-year (11.23%) performance data. Actual mutual fund returns fluctuate with market NAV.
About UTI Nifty 50 Index Fund
A passive index fund that tracks the Nifty 50 index. One of the oldest and most established index funds in India. Seeks to deliver returns matching the Nifty 50 TRI.
Investment Strategy
Passive replication of the Nifty 50 index using a full replication methodology (holds all 50 stocks in index weight proportions). Rebalances periodically to match index changes.
Key Facts
- Expense ratio: 0.23-0.26% (Direct plan) — among the lowest in the category
- Full replication strategy — holds all 50 Nifty stocks
- Minimum SIP of ₹500
- Benchmark: Nifty 50 TRI
Historical Returns
3-Year CAGR
5.98%
5-Year CAGR
6.23%
10-Year CAGR
11.23%
Benchmark
Nifty 50 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, UTI Nifty 50 Index's portfolio includes:
Top 5 Holdings
- Reliance Industries
- HDFC Bank
- ICICI Bank
- Infosys
- TCS
Sector Allocation
Financials 35%, IT 14%, Energy 10%, Consumer 8%, Others 33%
Risk & Drawdowns
Low volatility for equity. Standard deviation ~12%. Tracks Nifty 50 closely.
Max drawdown -36% in March 2020. Recovered in 10 months. Tracking error < 0.1%.
Tax Treatment
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Who Should NOT Invest in UTI Nifty 50 Index?
Investors seeking active management or potential to beat the benchmark.
About the Fund Manager
Sharwan Kumar Goyal managing since 2015. Passive fund — manager role is replication, not stock selection.
Who Is This Fund Suitable For?
Suitable for beginners, passive investors, and anyone seeking low-cost large cap equity exposure. Recommended investment horizon of 5+ years.
More Funds from UTI & Similar Schemes
Similar Funds to Consider
- SBI Nifty 50 Index Fund
- HDFC Index Fund Nifty 50 Plan
- Motilal Oswal Nifty 50 Index Fund
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for UTI Nifty 50 Index Investors
- FIRE Calculator — Plan your retirement corpus with UTI Nifty 50 Index as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in UTI Nifty 50 Index could cost you
- SIP vs EMI Calculator — Compare investing in UTI Nifty 50 Index vs paying off loans
Frequently Asked Questions About UTI Nifty 50 Index
What is the historical SIP return of UTI Nifty 50 Index?
Based on the latest data, UTI Nifty 50 Index has delivered an annualized return (CAGR) of 5.98% over 3 years, 6.23% over 5 years, and 11.23% over 10 years. Max drawdown -36% in March 2020. Recovered in 10 months. Tracking error < 0.1%.
How is UTI Nifty 50 Index SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in UTI Nifty 50 Index generate over 5 years?
At an estimated annual return rate of 6.23%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹3,52,742 in 5 years, yielding an estimated wealth gain of ₹52,742. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in UTI Nifty 50 Index?
UTI Nifty 50 Index's top holdings include Reliance Industries, HDFC Bank, ICICI Bank, and Infosys. The fund's sector allocation is Financials 35%, IT 14%, Energy 10%, Consumer 8%, Others 33%.
What is the risk profile of UTI Nifty 50 Index?
Low volatility for equity. Standard deviation ~12%. Tracks Nifty 50 closely. This fund may not be suitable for investors seeking active management or potential to beat the benchmark..
What are the tax implications of investing in UTI Nifty 50 Index?
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
Ready to check UTI Nifty 50 Index returns?
Use our free calculator with real historical NAV data — no sign-up needed.
Open UTI Nifty 50 Index SIP Calculator →