Should I invest in UTI Spread Fund?

We don't give personal investment advice. UTI Spread Fund - Dividend 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: 5.74%.

UTI

UTI Spread Fund - Dividend Option

Latest NAV

₹20.8199

As of

3 Jun 2026

4,899 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	-0.12%	-0.06%	-0.06	6 / 16	Q2
1W	-0.03%	+0.00%	-0.03	6 / 16	Q2
2W	-0.12%	-0.06%	-0.06	10 / 16	Q3
1M	+0.16%	+0.19%	-0.04	12 / 16	Q3
3M	+1.02%	+0.88%	+0.15	8 / 16	Q2
6M	+2.67%	+2.31%	+0.35	8 / 16	Q2
YTD	+2.11%	+1.72%	+0.39	8 / 16	Q2
1Y	+5.65%	+4.91%	+0.74	7 / 16	Q2
2Y	+6.46%	+4.49%	+1.97	2 / 15	Q1
3Y	+6.89%	+5.18%	+1.71	3 / 15	Q1
4Y	+6.53%	+5.19%	+1.34	7 / 15	Q2
5Y	+5.74%	+4.90%	+0.84	10 / 15	Q3
7Y	+3.75%	+4.44%	-0.69	13 / 15	Q4
10Y	+2.86%	+4.00%	-1.14	11 / 13	Q4
Inception	+3.74%	+4.77%	-1.03	11 / 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	+2.11%	+1.89%	+0.23	8 / 14
2025	+6.48%	+3.86%	+2.61	1 / 14
2024	+7.62%	+6.39%	+1.22	2 / 13
2023	+7.22%	+6.17%	+1.04	7 / 13
2022	+4.04%	+3.79%	+0.25	8 / 13
2021	+1.10%	+2.93%	-1.82	11 / 13
2020	-1.95%	+2.33%	-4.28	13 / 13
2019	+0.51%	+3.71%	-3.20	9 / 13
2018	+0.40%	+3.81%	-3.40	12 / 13
2017	+0.55%	+2.85%	-2.30	11 / 15
2016	+1.31%	+4.00%	-2.69	11 / 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

+3.66%

231 windows

min -2.6% · max 9.6%

83% positive

3-Year rolling

+3.37%

207 windows

min -0.6% · max 8.5%

90% positive

5-Year rolling

+3.24%

182 windows

min 0.0% · max 7.1%

100% positive

7-Year rolling

+3.13%

158 windows

min 0.1% · max 5.8%

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

0.45%

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	₹27.8838	3 Jun 2026
SBI Arbitrage Opportunities Fund - Div	SBI	₹18.7011	3 Jun 2026
Franklin India Arbitrage Fund - Growth	Franklin India	₹10.9509	3 Jun 2026
Kotak Equity Arbitrage Fund - Dividend	Kotak Mahindra	₹10.6944	3 Jun 2026
UTI Spread Fund - Growth Option	UTI	₹36.8541	3 Jun 2026
IDFC Arbitrage Fund - Plan A - Dividend	IDFC	₹10.6183	3 Jun 2026
JM ARBITRAGE ADVANTAGE FUND-Dividend	JM Financial	₹15.8664	3 Jun 2026
Religare Arbitrage Fund - Dividend Option	Religare	₹17.9184	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.8199
2 Jun 2026	₹20.8076
1 Jun 2026	₹20.8327
29 May 2026	₹20.7705
27 May 2026	₹20.8076
26 May 2026	₹20.8134
25 May 2026	₹20.8119
22 May 2026	₹20.8041
21 May 2026	₹20.8198
20 May 2026	₹20.8162

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 Spread Fund - Dividend Option is ₹20.8199. 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 - Dividend Option has NAV history starting from 06 Jul 2006, a track record of about 19 years 10 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 - Dividend 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 - Dividend Option has delivered a absolute return of 5.65% — +0.74 pp ahead of the Arbitrage Fund category average of 4.91%. The fund ranks #7 of 16 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Spread Fund - Dividend Option has delivered a CAGR of 6.89% — +1.71 pp ahead of the Arbitrage Fund category average of 5.18%. The fund ranks #3 of 15 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Spread Fund - Dividend Option has delivered a CAGR of 5.74% — +0.84 pp ahead of the Arbitrage Fund category average of 4.90%. The fund ranks #10 of 15 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Spread Fund - Dividend Option exactly 10 years ago would be worth approximately ₹132,583 today — a multiplier of 1.33×, based on the 10-year CAGR of 2.86%. The category average over the same window would have grown ₹1 lakh to ₹148,013.

A ₹10,000 monthly SIP in UTI Spread Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹705,260 today. That's an XIRR (money-weighted annualised return) of 6.40%.

A ₹10,000 monthly SIP for 10 years in UTI Spread Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,490,129 (multiplier 1.24×). XIRR: 4.24%. 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 - Dividend Option ranks #10 out of 15 funds in the Arbitrage Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.90%; this fund delivered 5.74%.

The worst peak-to-trough decline UTI Spread Fund - Dividend Option has experienced over the last 5-year window is 0.33% — its NAV fell from a high on 06 Jul 2021 to a low on 09 Jul 2021. 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 - Dividend Option averaged 3.24% (best 7.13%, worst 0.01%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.39 — negative risk-adjusted performance.

In calendar year 2025, UTI Spread Fund - Dividend Option returned 6.48% — beating the Arbitrage Fund category average of 3.86% by 2.61 pp. It ranked #1 of 14 in its category that year.

UTI Spread Fund - Dividend 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 - Dividend 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: 5.74%.

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