Should I invest in UTI Opportunities Fund?

We don't give personal investment advice. UTI Opportunities Fund-Dividend Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.5%. 5-year CAGR: 12.06%.

UTI

UTI Opportunities Fund-Dividend Option

Latest NAV

₹46.1413

As of

10 Jun 2026

4,963 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.89%	+0.39%	+0.50	2 / 16	Q1
1W	-0.25%	-0.81%	+0.56	4 / 16	Q1
2W	-1.81%	-2.40%	+0.59	4 / 16	Q1
1M	-2.11%	-2.36%	+0.26	5 / 16	Q2
3M	-2.13%	-2.34%	+0.21	9 / 16	Q3
6M	-7.59%	-7.96%	+0.37	10 / 16	Q3
YTD	-9.20%	-8.98%	-0.21	11 / 16	Q3
1Y	-5.15%	-6.76%	+1.61	9 / 16	Q3
2Y	+2.18%	-1.41%	+3.59	3 / 16	Q1
3Y	+14.29%	+11.37%	+2.92	3 / 16	Q1
4Y	+14.87%	+13.09%	+1.79	7 / 16	Q2
5Y	+12.06%	+10.85%	+1.21	8 / 16	Q2
7Y	+13.38%	+11.88%	+1.50	9 / 16	Q3
10Y	+10.97%	+10.96%	+0.01	11 / 16	Q3
Inception	+5.64%	+9.54%	-3.90	12 / 16	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-9.20%	-8.98%	-0.21	11 / 16
2025	+6.85%	+3.06%	+3.79	4 / 16
2024	+23.26%	+17.61%	+5.65	4 / 16
2023	+26.16%	+29.56%	-3.40	12 / 16
2022	+4.27%	+5.08%	-0.81	11 / 16
2021	+29.82%	+32.61%	-2.79	8 / 16
2020	+18.83%	+11.98%	+6.85	3 / 16
2019	+3.40%	-0.12%	+3.52	6 / 16
2018	-7.71%	-9.17%	+1.47	8 / 16
2017	+19.12%	+32.01%	-12.90	15 / 16
2016	-4.01%	+3.68%	-7.69	13 / 16

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+9.90%

234 windows

min -56.8% · max 89.2%

71% positive

3-Year rolling

+8.13%

210 windows

min -16.4% · max 27.6%

85% positive

5-Year rolling

+7.68%

186 windows

min -6.9% · max 26.6%

88% positive

7-Year rolling

+6.95%

161 windows

min -0.7% · max 16.1%

99% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

13.25%

3-year · annualised

Sharpe ratio

0.59

vs risk-free 6.5%

Sortino ratio

1.06

Downside-only deviation

Max drawdown

-17.53%

Sep 2024 → Apr 2025

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Value Fund

Scheme	Fund house	NAV	As of
HDFC Capital Builder Fund - Dividend Option	HDFC	₹34.1510	10 Jun 2026
ICICI Prudential Discovery Fund-DIVIDEND OPTION	ICICI Prudential	₹33.9300	10 Jun 2026
Quantum Long-Term Equity Fund-Dividend Plan	Quantum	₹121.3300	10 Jun 2026
Templeton India Growth Fund-Dividend Plan	Franklin Templeton	₹89.4587	10 Jun 2026
UTI Opportunities Fund-Growth Option	UTI	₹158.3290	10 Jun 2026
IDFC Small & Midcap Equity (SME) Fund - Dividend	IDFC	₹35.2940	10 Jun 2026
JM Basic Fund - Dividend Plan	JM Financial	₹62.4522	10 Jun 2026
Tata Equity P/E Fund (Dividend)	Tata	₹110.8626	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹46.1413
9 Jun 2026	₹46.3971
8 Jun 2026	₹45.9876
5 Jun 2026	₹46.3788
4 Jun 2026	₹46.4318
3 Jun 2026	₹46.3652
2 Jun 2026	₹46.5128
1 Jun 2026	₹46.2833
29 May 2026	₹46.5647
27 May 2026	₹47.2202

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of UTI Opportunities Fund-Dividend Option is ₹46.1413. It's a Value Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Opportunities Fund-Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI Opportunities Fund-Dividend Option is managed by UTI. It's classified by AMFI under the 'Value Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Opportunities Fund-Dividend Option has delivered a absolute return of -5.15% — +1.61 pp ahead of the Value Fund category average of -6.76%. The fund ranks #9 of 16 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Opportunities Fund-Dividend Option has delivered a CAGR of 14.29% — +2.92 pp ahead of the Value Fund category average of 11.37%. The fund ranks #3 of 16 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Opportunities Fund-Dividend Option has delivered a CAGR of 12.06% — +1.21 pp ahead of the Value Fund category average of 10.85%. The fund ranks #8 of 16 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Opportunities Fund-Dividend Option exactly 10 years ago would be worth approximately ₹283,081 today — a multiplier of 2.83×, based on the 10-year CAGR of 10.97%. The category average over the same window would have grown ₹1 lakh to ₹282,938.

A ₹10,000 monthly SIP in UTI Opportunities Fund-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹772,372 today. That's an XIRR (money-weighted annualised return) of 10.03%.

A ₹10,000 monthly SIP for 10 years in UTI Opportunities Fund-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹2,280,479 (multiplier 1.90×). XIRR: 12.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Opportunities Fund-Dividend Option ranks #8 out of 16 funds in the Value Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.85%; this fund delivered 12.06%.

The worst peak-to-trough decline UTI Opportunities Fund-Dividend Option has experienced over the last 5-year window is 17.53% — its NAV fell from a high on 26 Sep 2024 to a low on 07 Apr 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI Opportunities Fund-Dividend Option averaged 7.68% (best 26.56%, worst -6.86%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2025, UTI Opportunities Fund-Dividend Option returned 6.85% — beating the Value Fund category average of 3.06% by 3.79 pp. It ranked #4 of 16 in its category that year.

UTI Opportunities Fund-Dividend Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI Opportunities Fund-Dividend Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.5%. 5-year CAGR: 12.06%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.