Should I invest in UTI - Treasury Advantage Fund- Daily Dividend Option?

We don't give personal investment advice. UTI - Treasury Advantage Fund- Daily Dividend Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 0.37%.

UTI

UTI - Treasury Advantage Fund- Daily Dividend Option

Latest NAV

₹1,066.0643

As of

3 Jun 2026

4,617 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	-0.48%	+0.01%	-0.49	46 / 46	Q4
1W	-0.30%	-7.85%	+7.56	46 / 50	Q4
2W	-0.33%	-4.03%	+3.70	45 / 48	Q4
1M	-0.91%	-4.03%	+3.12	46 / 48	Q4
3M	-0.81%	-3.68%	+2.88	46 / 48	Q4
6M	+0.05%	-2.28%	+2.33	26 / 48	Q3
YTD	-0.34%	-2.40%	+2.05	44 / 48	Q4
1Y	+0.16%	-0.31%	+0.46	27 / 48	Q3
2Y	+0.61%	+4.01%	-3.41	26 / 45	Q3
3Y	+0.63%	+3.64%	-3.01	23 / 43	Q3
4Y	+0.49%	+3.46%	-2.97	24 / 43	Q3
5Y	+0.37%	+3.44%	-3.07	24 / 39	Q3
7Y	+1.60%	+3.33%	-1.74	22 / 38	Q3
10Y	+0.19%	+3.05%	-2.86	22 / 37	Q3
Inception	+0.33%	+4.12%	-3.79	28 / 46	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	-0.34%	+0.90%	-1.24	35 / 37
2025	+1.38%	+3.42%	-2.05	20 / 36
2024	+0.22%	+3.30%	-3.08	20 / 38
2023	+0.09%	-2.05%	+2.14	23 / 40
2022	+0.23%	+3.32%	-3.09	26 / 37
2021	+1.25%	+2.96%	-1.71	19 / 34
2020	+6.72%	+4.32%	+2.41	13 / 35
2019	-7.95%	+1.00%	-8.95	38 / 39
2018	+0.34%	+2.90%	-2.56	21 / 37
2017	-0.03%	+2.57%	-2.60	27 / 37
2016	-0.30%	+3.64%	-3.94	37 / 38

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

+0.32%

221 windows

min -12.2% · max 8.4%

65% positive

3-Year rolling

+0.18%

197 windows

min -4.3% · max 3.9%

67% positive

5-Year rolling

+0.13%

172 windows

min -2.6% · max 2.4%

63% positive

7-Year rolling

0.00%

148 windows

min -1.8% · max 1.6%

63% 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

1.44%

3-year · annualised

Sharpe ratio

-4.08

vs risk-free 6.5%

Sortino ratio

-5.75

Downside-only deviation

Max drawdown

-0.94%

Jun 2025 → Sep 2025

% positive months

63.9%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA LOW DURATION FUND - IDCW Option	Nippon India	₹2,089.8894	3 Jun 2026
ICICI Prudential Flexible Income Plan Premium-Daily Dividend Plan	ICICI Prudential	₹105.7358	3 Jun 2026
Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,068.9854	3 Jun 2026
Franklin India Low Duration Fund-IDCW	Franklin India	₹10.5303	3 Jun 2026
BARODA BNP PARIBAS LOW DURATION Fund-Defunct Plan- Daily IDCW Option	Baroda BNP Paribas	₹10.0499	3 Jun 2026
Canara Robeco Floating Rate-SHORT TERM PLAN-DAILY DIVIDEND REINVESTMENT	Canara Robeco	₹10.2600	3 Jun 2026
UTI - Treasury Advantage Fund - Quarterly Dividend Option	UTI	₹2,337.4714	3 Jun 2026
Birla Sun Life Cash Manager-Plan B(Growth)	Birla Sun Life	₹687.0564	3 Jun 2026
IDFC Liquidity Manager - Daily Dividend	IDFC	₹10.1011	3 Jun 2026
JM Low Duration Fund - Bonus Option - Principal Units		₹23.4425	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,066.0643
2 Jun 2026	₹1,065.9395
1 Jun 2026	₹1,071.0760
29 May 2026	₹1,070.2557
27 May 2026	₹1,069.4384
26 May 2026	₹1,069.1222
25 May 2026	₹1,069.1522
22 May 2026	₹1,068.4942
21 May 2026	₹1,068.2974
20 May 2026	₹1,069.1622

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 - Treasury Advantage Fund- Daily Dividend Option is ₹1,066.0643. It's a Low Duration Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Treasury Advantage Fund- Daily Dividend Option has NAV history starting from 25 Apr 2007, a track record of about 19 years 1 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 - Treasury Advantage Fund- Daily Dividend Option is managed by UTI. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Treasury Advantage Fund- Daily Dividend Option has delivered a absolute return of 0.16% — +0.46 pp ahead of the Low Duration Fund category average of -0.31%. The fund ranks #27 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Treasury Advantage Fund- Daily Dividend Option has delivered a CAGR of 0.63% — -3.01 pp behind the Low Duration Fund category average of 3.64%. The fund ranks #23 of 43 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - Treasury Advantage Fund- Daily Dividend Option has delivered a CAGR of 0.37% — -3.07 pp behind the Low Duration Fund category average of 3.44%. The fund ranks #24 of 39 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - Treasury Advantage Fund- Daily Dividend Option exactly 10 years ago would be worth approximately ₹101,874 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.19%. The category average over the same window would have grown ₹1 lakh to ₹135,022.

A ₹10,000 monthly SIP in UTI - Treasury Advantage Fund- Daily Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹607,009 today. That's an XIRR (money-weighted annualised return) of 0.46%.

A ₹10,000 monthly SIP for 10 years in UTI - Treasury Advantage Fund- Daily Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,228,934 (multiplier 1.02×). XIRR: 0.47%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Treasury Advantage Fund- Daily Dividend Option ranks #24 out of 39 funds in the Low Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.44%; this fund delivered 0.37%.

The worst peak-to-trough decline UTI - Treasury Advantage Fund- Daily Dividend Option has experienced over the last 5-year window is 4.86% — its NAV fell from a high on 01 Oct 2021 to a low on 06 May 2022. 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 - Treasury Advantage Fund- Daily Dividend Option averaged 0.13% (best 2.38%, worst -2.59%). 63% of rolling windows ended positive. The 5-year Sharpe ratio is -1.89 — negative risk-adjusted performance.

In calendar year 2025, UTI - Treasury Advantage Fund- Daily Dividend Option returned 1.38% — lagging the Low Duration Fund category average of 3.42% by 2.05 pp. It ranked #20 of 36 in its category that year.

UTI - Treasury Advantage Fund- Daily Dividend Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

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

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 0.37%.

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