UTI Nifty Next 50 Index Fund SIP Calculator
Calculate historical returns and project future compounding for UTI Nifty Next 50. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Index Fund
AUM
₹7,547 Cr
Expense Ratio
0.42%
Fund Manager
Sharwan Kumar Goyal, Ayush Jain
UTI Nifty Next 50 Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 16.1% CAGR | 5 Years @ 11.0% CAGR | 10 Years @ 11.0% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹46,532 Invested: ₹36,000 | ₹80,181 Invested: ₹60,000 | ₹2,18,601 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,16,329 Invested: ₹90,000 | ₹2,00,452 Invested: ₹1,50,000 | ₹5,46,503 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,32,659 Invested: ₹1,80,000 | ₹4,00,905 Invested: ₹3,00,000 | ₹10,93,006 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,65,317 Invested: ₹3,60,000 | ₹8,01,810 Invested: ₹6,00,000 | ₹21,86,012 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹11,63,293 Invested: ₹9,00,000 | ₹20,04,525 Invested: ₹15,00,000 | ₹54,65,031 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (16.13%), 5-year (10.97%), and 10-year (10.97%) performance data. Actual mutual fund returns fluctuate with market NAV.
About UTI Nifty Next 50 Index Fund
A low-cost passive index fund replicating the Nifty Next 50 — companies ranked 51-100 by market cap, widely seen as the farm team for the Nifty 50.
Investment Strategy
Passive full-replication of the NIFTY Next 50 Total Return Index, holding all 50 constituents in index weights with minimal tracking error.
Key Facts
- Tracks the 'farm team' of Nifty 50 — tomorrow's large caps
- Low expense ratio: 0.44% (Direct)
- Benchmark: NIFTY Next 50 TRI
- No exit load
Historical Returns
3-Year CAGR
16.13%
5-Year CAGR
10.97%
10-Year CAGR
N/A
Benchmark
NIFTY Next 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 Next 50's portfolio includes:
Top 5 Holdings
- Divi's Laboratories
- TVS Motor Company
- Tata Motors
- Hindustan Aeronautics
- Adani Power
Sector Allocation
Mirrors the index — a diversified spread of emerging large caps with notable weights in autos (TVS, Tata Motors), healthcare (Divi's), defence (HAL) and power (Adani Power).
Risk & Drawdowns
Higher volatility than the Nifty 50 — annualized standard deviation ~19% — as Next 50 constituents are mid-to-large caps with more cyclicality.
The fund fell ~26% in the 2024-25 correction; Next 50 drawdowns tend to be deeper than the Nifty 50 but shallower than mid cap indices.
Tax Treatment
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Who Should NOT Invest in UTI Nifty Next 50?
Investors wanting lower volatility than the index, or those already holding multiple large cap active funds with significant Next 50 overlap.
About the Fund Manager
Sharwan Kumar Goyal has managed the fund since 2018, with Ayush Jain co-managing since 2022; both are seasoned UTI index-fund managers with over 14 years at the AMC.
Who Is This Fund Suitable For?
Ideal for passive investors seeking higher growth potential than the Nifty 50 at a low cost, or as a satellite holding alongside a core large cap index fund.
More Funds from UTI & Similar Schemes
Similar Funds to Consider
- ICICI Prudential Nifty Next 50 Index Fund
- SBI Nifty Next 50 Index Fund
- UTI 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.
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- FIRE Calculator — Plan your retirement corpus with UTI Nifty Next 50 as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in UTI Nifty Next 50 could cost you
- SIP vs EMI Calculator — Compare investing in UTI Nifty Next 50 vs paying off loans
Frequently Asked Questions About UTI Nifty Next 50
What is the historical SIP return of UTI Nifty Next 50?
Based on the latest data, UTI Nifty Next 50 has delivered an annualized return (CAGR) of 16.13% over 3 years, 10.97% over 5 years, and N/A over 10 years. The fund fell ~26% in the 2024-25 correction; Next 50 drawdowns tend to be deeper than the Nifty 50 but shallower than mid cap indices.
How is UTI Nifty Next 50 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 Next 50 generate over 5 years?
At an estimated annual return rate of 10.97%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,00,905 in 5 years, yielding an estimated wealth gain of ₹1,00,905. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in UTI Nifty Next 50?
UTI Nifty Next 50's top holdings include Divi's Laboratories, TVS Motor Company, Tata Motors, and Hindustan Aeronautics. The fund's sector allocation is Mirrors the index — a diversified spread of emerging large caps with notable weights in autos (TVS, Tata Motors), healthcare (Divi's), defence (HAL) and power (Adani Power)..
What is the risk profile of UTI Nifty Next 50?
Higher volatility than the Nifty 50 — annualized standard deviation ~19% — as Next 50 constituents are mid-to-large caps with more cyclicality. This fund may not be suitable for investors wanting lower volatility than the index, or those already holding multiple large cap active funds with significant next 50 overlap..
What are the tax implications of investing in UTI Nifty Next 50?
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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