Should I invest in UTI Spread Fund?

We don't give personal investment advice. UTI Spread Fund - Growth Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.3%. 5-year CAGR: 5.97%.

UTI

UTI Spread Fund - Growth Option

Latest NAV

₹37.0070

As of

10 Jun 2026

4,904 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	-0.11%	0.00%	-0.11	8 / 16	Q2
1W	+0.29%	+0.32%	-0.03	10 / 16	Q3
2W	+0.26%	+0.30%	-0.04	9 / 16	Q3
1M	+0.31%	+0.35%	-0.05	12 / 16	Q3
3M	+1.33%	+1.13%	+0.21	8 / 16	Q2
6M	+2.82%	+2.48%	+0.34	8 / 16	Q2
YTD	+2.40%	+2.02%	+0.39	10 / 16	Q3
1Y	+5.77%	+5.06%	+0.71	9 / 16	Q3
2Y	+6.38%	+4.45%	+1.93	5 / 15	Q2
3Y	+6.91%	+5.22%	+1.69	6 / 15	Q2
4Y	+6.59%	+5.25%	+1.34	8 / 15	Q3
5Y	+5.97%	+4.94%	+1.03	7 / 15	Q2
7Y	+5.59%	+4.47%	+1.12	5 / 15	Q2
10Y	+5.79%	+4.02%	+1.77	2 / 13	Q1
Inception	+6.76%	+4.78%	+1.98	3 / 16	Q1

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	+2.40%	+2.22%	+0.18	10 / 14
2025	+6.48%	+3.86%	+2.61	2 / 14
2024	+7.61%	+6.39%	+1.22	3 / 13
2023	+7.22%	+6.17%	+1.04	6 / 13
2022	+4.04%	+3.79%	+0.25	9 / 13
2021	+3.91%	+2.93%	+0.98	4 / 13
2020	+4.28%	+2.33%	+1.94	1 / 13
2019	+6.17%	+3.71%	+2.46	1 / 13
2018	+6.11%	+3.81%	+2.31	5 / 13
2017	+5.81%	+2.85%	+2.96	2 / 15
2016	+6.46%	+4.00%	+2.46	5 / 15

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

+6.78%

231 windows

min 3.1% · max 10.1%

100% positive

3-Year rolling

+6.63%

207 windows

min 3.9% · max 9.2%

100% positive

5-Year rolling

+6.57%

182 windows

min 4.9% · max 8.2%

100% positive

7-Year rolling

+6.61%

158 windows

min 5.2% · max 7.9%

100% 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

0.42%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.30%

May 2026 → May 2026

% positive months

100.0%

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 Arbitrage Fund

Scheme	Fund house	NAV	As of
Nippon India Arbitrage Fund - Growth Plan - Growth Option	Nippon India	₹27.9996	10 Jun 2026
SBI Arbitrage Opportunities Fund - Div	SBI	₹18.7809	10 Jun 2026
Franklin India Arbitrage Fund - Growth	Franklin India	₹10.9974	10 Jun 2026
Kotak Equity Arbitrage Fund - Dividend	Kotak Mahindra	₹10.7430	10 Jun 2026
UTI Spread Fund - Dividend Option	UTI	₹20.9063	10 Jun 2026
IDFC Arbitrage Fund - Plan A - Dividend	IDFC	₹10.6629	10 Jun 2026
JM ARBITRAGE ADVANTAGE FUND-Dividend	JM Financial	₹15.9256	10 Jun 2026
Religare Arbitrage Fund - Dividend Option	Religare	₹17.9886	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹37.0070
9 Jun 2026	₹36.9375
8 Jun 2026	₹36.9796
5 Jun 2026	₹36.9046
4 Jun 2026	₹36.8798
3 Jun 2026	₹36.8541
2 Jun 2026	₹36.8323
1 Jun 2026	₹36.8768
29 May 2026	₹36.7666
27 May 2026	₹36.8323

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 Spread Fund - Growth Option is ₹37.0070. It's a Arbitrage Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Spread Fund - Growth Option has NAV history starting from 06 Jul 2006, a track record of about 19 years 11 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 Spread Fund - Growth Option is managed by UTI. It's classified by AMFI under the 'Arbitrage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Spread Fund - Growth Option has delivered a absolute return of 5.77% — +0.71 pp ahead of the Arbitrage Fund category average of 5.06%. The fund ranks #9 of 16 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Spread Fund - Growth Option has delivered a CAGR of 6.91% — +1.69 pp ahead of the Arbitrage Fund category average of 5.22%. The fund ranks #6 of 15 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Spread Fund - Growth Option has delivered a CAGR of 5.97% — +1.03 pp ahead of the Arbitrage Fund category average of 4.94%. The fund ranks #7 of 15 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Spread Fund - Growth Option exactly 10 years ago would be worth approximately ₹175,514 today — a multiplier of 1.76×, based on the 10-year CAGR of 5.79%. The category average over the same window would have grown ₹1 lakh to ₹148,292.

A ₹10,000 monthly SIP in UTI Spread Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹706,720 today. That's an XIRR (money-weighted annualised return) of 6.48%.

A ₹10,000 monthly SIP for 10 years in UTI Spread Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,621,700 (multiplier 1.35×). XIRR: 5.87%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Spread Fund - Growth Option ranks #7 out of 15 funds in the Arbitrage Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 4.94%; this fund delivered 5.97%.

The worst peak-to-trough decline UTI Spread Fund - Growth Option has experienced over the last 5-year window is 0.30% — its NAV fell from a high on 19 May 2026 to a low on 29 May 2026. 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 Spread Fund - Growth Option averaged 6.57% (best 8.16%, worst 4.87%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.19 — negative risk-adjusted performance.

In calendar year 2025, UTI Spread Fund - Growth Option returned 6.48% — beating the Arbitrage Fund category average of 3.86% by 2.61 pp. It ranked #2 of 14 in its category that year.

UTI Spread Fund - Growth Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

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

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.3%. 5-year CAGR: 5.97%.

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

UTI Spread Fund - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Arbitrage Fund

Recent NAVs

Frequently asked questions

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