Should I invest in UTI - Treasury Advantage Fund?

We don't give personal investment advice. UTI - Treasury Advantage Fund - Growth 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: 0.4%. 5-year CAGR: 6.90%.

UTI

UTI - Treasury Advantage Fund - Growth Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 16 Apr 2007. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹6,610.7367

As of

3 Jun 2026

4,879 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	+0.03%	+0.01%	+0.02	24 / 46	Q3
1W	+0.21%	-7.85%	+8.07	17 / 50	Q2
2W	+0.18%	-4.03%	+4.21	23 / 48	Q2
1M	+0.18%	-4.03%	+4.21	18 / 48	Q2
3M	+1.06%	-3.68%	+4.75	16 / 48	Q2
6M	+2.36%	-2.28%	+4.64	10 / 48	Q1
YTD	+1.95%	-2.40%	+4.35	8 / 48	Q1
1Y	+5.66%	-0.31%	+5.97	10 / 48	Q1
2Y	+6.88%	+4.01%	+2.87	9 / 45	Q1
3Y	+6.81%	+3.64%	+3.18	9 / 43	Q1
4Y	+6.60%	+3.46%	+3.14	13 / 43	Q2
5Y	+6.90%	+3.44%	+3.46	5 / 39	Q1
7Y	+6.33%	+3.33%	+2.99	6 / 38	Q1
10Y	+5.55%	+3.05%	+2.50	13 / 37	Q2
Inception	+6.65%	+4.12%	+2.53	11 / 46	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	+1.95%	+0.90%	+1.05	5 / 37
2025	+7.52%	+3.42%	+4.10	5 / 36
2024	+7.23%	+3.30%	+3.93	13 / 38
2023	+6.66%	-2.05%	+8.70	11 / 40
2022	+4.01%	+3.32%	+0.69	14 / 37
2021	+8.43%	+2.96%	+5.47	4 / 34
2020	+6.72%	+4.32%	+2.41	12 / 35
2019	-4.71%	+1.00%	-5.71	35 / 39
2018	+6.72%	+2.90%	+3.82	14 / 37
2017	+6.52%	+2.57%	+3.94	12 / 37
2016	+8.32%	+3.64%	+4.68	13 / 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

+6.77%

234 windows

min -5.8% · max 9.6%

95% positive

3-Year rolling

+6.66%

210 windows

min 2.2% · max 9.2%

100% positive

5-Year rolling

+6.64%

185 windows

min 4.0% · max 8.9%

100% positive

7-Year rolling

+6.60%

161 windows

min 4.8% · max 8.5%

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

0.52%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.20%

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 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	₹6,610.7367
2 Jun 2026	₹6,609.9628
1 Jun 2026	₹6,608.0265
29 May 2026	₹6,602.9653
27 May 2026	₹6,597.9234
26 May 2026	₹6,595.9723
25 May 2026	₹6,596.1577
22 May 2026	₹6,592.0977
21 May 2026	₹6,590.8836
20 May 2026	₹6,596.2193

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 - Growth Option is ₹6,610.7367. 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 - Growth 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 - Treasury Advantage Fund - Growth 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 - Growth Option has delivered a absolute return of 5.66% — +5.97 pp ahead of the Low Duration Fund category average of -0.31%. The fund ranks #10 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - Treasury Advantage Fund - Growth Option has delivered a CAGR of 6.81% — +3.18 pp ahead of the Low Duration Fund category average of 3.64%. The fund ranks #9 of 43 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - Treasury Advantage Fund - Growth Option has delivered a CAGR of 6.90% — +3.46 pp ahead of the Low Duration Fund category average of 3.44%. The fund ranks #5 of 39 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Treasury Advantage Fund - Growth Option exactly 10 years ago would be worth approximately ₹171,637 today — a multiplier of 1.72×, based on the 10-year CAGR of 5.55%. 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 - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹709,399 today. That's an XIRR (money-weighted annualised return) of 6.63%.

A ₹10,000 monthly SIP for 10 years in UTI - Treasury Advantage Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,620,470 (multiplier 1.35×). XIRR: 5.85%. 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 - Growth Option ranks #5 out of 39 funds in the Low Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.44%; this fund delivered 6.90%.

The worst peak-to-trough decline UTI - Treasury Advantage Fund - Growth Option has experienced over the last 5-year window is 0.36% — its NAV fell from a high on 02 May 2022 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 - Growth Option averaged 6.64% (best 8.86%, worst 4.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — weak risk-adjusted performance.

In calendar year 2025, UTI - Treasury Advantage Fund - Growth Option returned 7.52% — beating the Low Duration Fund category average of 3.42% by 4.10 pp. It ranked #5 of 36 in its category that year.

UTI - Treasury Advantage Fund - Growth 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 - Growth 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: 0.4%. 5-year CAGR: 6.90%.

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

UTI - Treasury Advantage Fund - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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