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: 5.97%.

UTI

UTI Spread Fund - Dividend Option

Latest NAV

₹21.0412

As of

17 Jul 2026

4,930 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	+0.09%	+0.10%	-0.01	7 / 16	Q2
1W	+0.12%	+0.14%	-0.02	12 / 16	Q3
2W	+0.18%	+0.21%	-0.03	14 / 16	Q4
1M	+0.57%	+0.53%	+0.04	10 / 16	Q3
3M	+1.39%	+1.20%	+0.18	8 / 16	Q2
6M	+2.96%	+2.57%	+0.39	10 / 16	Q3
YTD	+3.26%	+2.67%	+0.59	9 / 16	Q3
1Y	+6.01%	+5.23%	+0.77	6 / 16	Q2
2Y	+6.51%	+4.56%	+1.95	2 / 15	Q1
3Y	+6.93%	+5.23%	+1.70	3 / 15	Q1
4Y	+6.75%	+5.36%	+1.38	7 / 15	Q2
5Y	+5.97%	+5.00%	+0.97	8 / 15	Q3
7Y	+3.91%	+4.50%	-0.59	13 / 15	Q4
10Y	+2.97%	+4.05%	-1.08	11 / 13	Q4
Inception	+3.77%	+4.80%	-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	+3.26%	+2.97%	+0.29	9 / 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

+3.69%

232 windows

min -2.4% · max 10.0%

85% positive

3-Year rolling

+3.40%

208 windows

min -0.5% · max 8.5%

91% positive

5-Year rolling

+3.25%

184 windows

min -0.1% · max 7.2%

97% positive

7-Year rolling

+3.13%

159 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

0.46%

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	₹28.1867	17 Jul 2026
SBI Arbitrage Opportunities Fund - Div	SBI	₹18.9004	17 Jul 2026
Franklin India Arbitrage Fund - Growth	Franklin India	₹11.0714	17 Jul 2026
Kotak Equity Arbitrage Fund - Dividend	Kotak Mahindra	₹10.7501	17 Jul 2026
UTI Spread Fund - Growth Option	UTI	₹37.2458	17 Jul 2026
IDFC Arbitrage Fund - Plan A - Dividend	IDFC	₹10.7290	17 Jul 2026
JM ARBITRAGE ADVANTAGE FUND-Dividend	JM Financial	₹16.0213	17 Jul 2026
Religare Arbitrage Fund - Dividend Option	Religare	₹18.1083	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹21.0412
16 Jul 2026	₹21.0226
15 Jul 2026	₹21.0290
14 Jul 2026	₹21.0327
13 Jul 2026	₹21.0140
10 Jul 2026	₹21.0159
9 Jul 2026	₹21.0144
8 Jul 2026	₹21.0168
7 Jul 2026	₹21.0187
6 Jul 2026	₹21.0090

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 17 Jul 2026, the NAV of UTI Spread Fund - Dividend Option is ₹21.0412. 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 20 years. 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 6.01% — +0.77 pp ahead of the Arbitrage Fund category average of 5.23%. The fund ranks #6 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 6.93% — +1.7 pp ahead of the Arbitrage Fund category average of 5.23%. 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 5.97% — +0.97 pp ahead of the Arbitrage Fund category average of 5.00%. The fund ranks #8 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 ₹133,997 today — a multiplier of 1.34×, based on the 10-year CAGR of 2.97%. The category average over the same window would have grown ₹1 lakh to ₹148,729.

A ₹10,000 monthly SIP in UTI Spread Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹708,285 today. That's an XIRR (money-weighted annualised return) of 6.57%.

A ₹10,000 monthly SIP for 10 years in UTI Spread Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,503,187 (multiplier 1.25×). XIRR: 4.41%. 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 #8 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 5.00%; this fund delivered 5.97%.

The worst peak-to-trough decline UTI Spread Fund - Dividend Option has experienced over the last 5-year window is 0.32% — its NAV fell from a high on 09 Aug 2021 to a low on 11 Aug 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 3.25% (best 7.21%, worst -0.07%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -1.05 — 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: 5.97%.

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