Index Funds · SIP history from AMFI NAVs
UTI Nifty Midcap 150 Quality 50 Index Fund SIP calculator & returns
A ₹10,000 monthly SIP in the Direct plan for the last 3 years (Nov 2023 onward) would be worth ₹3.58 L on 1 Oct 2026, on ₹3,60,000 invested — an XIRR of -0.4%. After tax on full redemption: ₹3.58 L.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Invested — over — instalments; valued at NAV of —:
| Year | Invested | Value at year end | XIRR to date |
|---|
₹10,000 a month in UTI Nifty Midcap 150 Quality 50 Index Fund: what it became
Each row is a monthly SIP that ends today (1 Oct 2026). Post-tax assumes you redeem everything today with no other capital gains this year.
| SIP period | Invested | Direct value | Direct XIRR | Direct post-tax | Regular value | Regular XIRR |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -7.4% | ₹1.16 L | ₹1.16 L | -7.8% |
| 3 years | ₹3,60,000 | ₹3.58 L | -0.4% | ₹3.58 L | ₹3.56 L | -0.8% |
| Since launch of each plan | varies | ₹6.08 L | 5.4% | ₹6.08 L | ₹6.02 L | 4.9% |
Same ₹10,000/month for 3 years, same fund manager, same portfolio: the Regular plan ended ₹2,369 lower (0.7% of the Direct value). The XIRR gap is 0.45 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Every SIP this fund has ever allowed: rolling returns
We started a 3-year SIP in every month the Direct plan's history allows — 18 separate SIPs. The worst returned -0.3% a year (started Apr 2023), the median 8.6%, the best 17.4%; 6% of them lost money. That spread is the honest answer to “what return should I expect?” — not a single trailing number.
XIRR of every 3-year monthly SIP in the Direct plan, plotted by the month it started. Dashed line: 6% a year.
| Window | SIPs tested | Worst XIRR | Median | Best XIRR | Lost money | Beat 6% |
|---|---|---|---|---|---|---|
| 3-year SIPs | 18 | -0.3%Apr 2023–Apr 2026 | 8.6% | 17.4%Jul 2022–Jul 2025 | 6% | 61% |
Rolling figures use the Direct plan (available history). SIP on the first business day of each month; units valued at the NAV one month after the last instalment.
Questions about UTI Nifty Midcap 150 Quality 50 Index Fund SIPs
Has a 3-year SIP in UTI Nifty Midcap 150 Quality 50 Index Fund ever lost money?
Yes. 6% of 18 rolling 3-year SIPs ended with a negative XIRR; the worst was -0.3% (Apr 2023–Apr 2026).
Direct or Regular plan of UTI Nifty Midcap 150 Quality 50 Index Fund — how much does it matter?
Same ₹10,000/month for 3 years, same fund manager, same portfolio: the Regular plan ended ₹2,369 lower (0.7% of the Direct value). The XIRR gap is 0.45 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Where does this data come from?
Daily NAVs published by AMFI (Association of Mutual Funds in India). We take the first NAV of each month as the SIP date and value units at the latest NAV. Updated monthly.
How these numbers are calculated
NAVs are AMFI's official daily NAVs (Growth option). Instalments fall on the first business day of each month; stamp duty (0.005%) and exit loads are ignored. Returns are XIRR on actual dates. Tax: 12.5% LTCG above ₹1.25 lakh on units held over a year, 20% STCG on the rest, and Section 112A grandfathering at the 31-Jan-2018 NAV for older units. Full method: methodology.
Past performance does not indicate future returns. This page is a historical calculation, not a recommendation to buy, hold or sell this fund. sipcalculatorhub.com is not a SEBI-registered investment adviser.
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