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: 12.34%.

UTI

UTI Opportunities Fund-Dividend Option

Latest NAV

₹46.3652

As of

3 Jun 2026

4,958 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	+0.50%	+0.06%	+0.43	3 / 16	Q1
1W	-1.56%	-1.66%	+0.10	4 / 16	Q1
2W	-0.69%	-0.20%	-0.49	11 / 16	Q3
1M	-2.00%	-1.79%	-0.21	10 / 16	Q3
3M	-4.25%	-3.49%	-0.75	12 / 16	Q3
6M	-7.99%	-8.14%	+0.16	11 / 16	Q3
YTD	-8.97%	-8.27%	-0.70	11 / 16	Q3
1Y	-2.70%	-4.01%	+1.31	8 / 16	Q2
2Y	+3.32%	-0.75%	+4.06	3 / 16	Q1
3Y	+14.49%	+11.82%	+2.66	6 / 16	Q2
4Y	+14.35%	+12.84%	+1.52	8 / 16	Q2
5Y	+12.34%	+11.31%	+1.03	8 / 16	Q2
7Y	+13.32%	+11.80%	+1.52	9 / 16	Q3
10Y	+10.94%	+11.07%	-0.14	11 / 16	Q3
Inception	+5.66%	+9.59%	-3.93	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	-8.97%	-8.27%	-0.70	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

+9.81%

234 windows

min -58.8% · max 83.3%

70% positive

3-Year rolling

+8.02%

210 windows

min -17.1% · max 28.0%

84% positive

5-Year rolling

+7.69%

185 windows

min -8.7% · max 25.7%

89% positive

7-Year rolling

+6.89%

161 windows

min -1.0% · max 16.4%

98% 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

13.33%

3-year · annualised

Sharpe ratio

0.60

vs risk-free 6.5%

Sortino ratio

0.95

Downside-only deviation

Max drawdown

-17.53%

Sep 2024 → Apr 2025

% positive months

72.2%

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	₹34.2310	3 Jun 2026
ICICI Prudential Discovery Fund-DIVIDEND OPTION	ICICI Prudential	₹34.1000	3 Jun 2026
Quantum Long-Term Equity Fund-Dividend Plan	Quantum	₹122.7000	3 Jun 2026
Templeton India Growth Fund-Dividend Plan	Franklin Templeton	₹90.0766	3 Jun 2026
UTI Opportunities Fund-Growth Option	UTI	₹159.0973	3 Jun 2026
IDFC Small & Midcap Equity (SME) Fund - Dividend	IDFC	₹35.7790	3 Jun 2026
JM Basic Fund - Dividend Plan	JM Financial	₹63.2470	3 Jun 2026
Tata Equity P/E Fund (Dividend)	Tata	₹112.2523	3 Jun 2026

Recent NAVs

Date	NAV
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
26 May 2026	₹47.2505
25 May 2026	₹47.3670
22 May 2026	₹46.7996
21 May 2026	₹46.7348
20 May 2026	₹46.7373

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 03 Jun 2026, the NAV of UTI Opportunities Fund-Dividend Option is ₹46.3652. 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 -2.70% — +1.31 pp ahead of the Value Fund category average of -4.01%. The fund ranks #8 of 16 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Opportunities Fund-Dividend Option has delivered a CAGR of 14.49% — +2.66 pp ahead of the Value Fund category average of 11.82%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Opportunities Fund-Dividend Option has delivered a CAGR of 12.34% — +1.03 pp ahead of the Value Fund category average of 11.31%. 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 ₹282,350 today — a multiplier of 2.82×, based on the 10-year CAGR of 10.94%. The category average over the same window would have grown ₹1 lakh to ₹285,846.

A ₹10,000 monthly SIP in UTI Opportunities Fund-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹776,644 today. That's an XIRR (money-weighted annualised return) of 10.25%.

A ₹10,000 monthly SIP for 10 years in UTI Opportunities Fund-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹2,293,119 (multiplier 1.91×). XIRR: 12.43%. 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 11.31%; this fund delivered 12.34%.

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 7.69% (best 25.68%, worst -8.65%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — 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: 12.34%.

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