Should I invest in UTI - Treasury Advantage Fund - Institutional?

We don't give personal investment advice. UTI - Treasury Advantage Fund - Institutional-Growth 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: 7.38%.

UTI

UTI - Treasury Advantage Fund - Institutional-Growth

Latest NAV

₹3,784.1190

As of

17 Jul 2026

4,649 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	+0.05%	+0.04%	+0.01	14 / 24	Q3
1W	+0.08%	+0.05%	+0.03	12 / 24	Q2
2W	+0.08%	+0.04%	+0.04	5 / 24	Q1
1M	+0.65%	+0.26%	+0.39	5 / 24	Q1
3M	+1.56%	+0.79%	+0.77	4 / 24	Q1
6M	+3.22%	+1.73%	+1.49	4 / 24	Q1
YTD	+3.23%	+1.70%	+1.52	4 / 24	Q1
1Y	+6.03%	+3.20%	+2.83	4 / 24	Q1
2Y	+7.18%	+4.02%	+3.16	2 / 24	Q1
3Y	+7.17%	+3.99%	+3.18	3 / 24	Q1
4Y	+7.03%	+3.87%	+3.16	5 / 24	Q1
5Y	+7.38%	+3.69%	+3.69	5 / 24	Q1
7Y	+7.11%	+3.57%	+3.53	3 / 24	Q1
10Y	+5.97%	+2.87%	+3.10	5 / 24	Q1
Inception	+7.16%	+2.55%	+4.61	5 / 23	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	+3.23%	+1.82%	+1.40	4 / 23
2025	+7.52%	+4.48%	+3.04	3 / 23
2024	+7.63%	+4.47%	+3.16	4 / 23
2023	+7.13%	+3.97%	+3.16	4 / 23
2022	+4.48%	+2.48%	+2.00	4 / 23
2021	+8.92%	+3.17%	+5.75	5 / 23
2020	+7.24%	+3.80%	+3.45	7 / 24
2019	-4.24%	+0.37%	-4.62	20 / 24
2018	+7.22%	+2.13%	+5.08	4 / 24
2017	+7.01%	+1.82%	+5.19	2 / 24
2016	+8.86%	+2.57%	+6.29	2 / 24

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

+7.20%

223 windows

min -5.3% · max 10.0%

95% positive

3-Year rolling

+7.10%

198 windows

min 2.7% · max 9.6%

100% positive

5-Year rolling

+7.10%

174 windows

min 4.5% · max 9.4%

100% positive

7-Year rolling

+7.00%

150 windows

min 5.3% · max 9.0%

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

0.63%

3-year · annualised

Sharpe ratio

0.72

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
SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Daily Dividend	SBI	₹1,442.9634	17 Jul 2026
Mirae Asset Ultra Short Term Bond Fund-Institutional Plan- Daily Dividend	Mirae Asset	₹1,005.1646	17 Jul 2026
UTI - Treasury Advantage Fund - Institutional Monthly Dividend Option	UTI	₹1,487.6814	17 Jul 2026
Reliance Money Manager Fund-Institutional Plan Growth Option	Reliance	₹3,981.3073	17 Jul 2026
Religare Ultra Short Term Fund - Institutional - Growth	Religare	₹4,021.6156	17 Jul 2026
Birla Sun Life Cash Manager-Plan A(Institutional Daily Dividend)	Birla Sun Life	₹100.0000	19 Jun 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹3,784.1190
16 Jul 2026	₹3,782.3283
15 Jul 2026	₹3,780.4581
14 Jul 2026	₹3,779.7781
13 Jul 2026	₹3,782.3160
10 Jul 2026	₹3,781.0421
9 Jul 2026	₹3,779.5044
8 Jul 2026	₹3,777.7107
7 Jul 2026	₹3,781.0679
6 Jul 2026	₹3,782.2092

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 - Treasury Advantage Fund - Institutional-Growth is ₹3,784.1190. It's a Low Duration Fund from UTI, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Treasury Advantage Fund - Institutional-Growth has NAV history starting from 24 Apr 2007, a track record of about 19 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 - Institutional-Growth 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 - Institutional-Growth has delivered a absolute return of 6.03% — +2.83 pp ahead of the Low Duration Fund category average of 3.20%. The fund ranks #4 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - Treasury Advantage Fund - Institutional-Growth has delivered a CAGR of 7.17% — +3.18 pp ahead of the Low Duration Fund category average of 3.99%. The fund ranks #3 of 24 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - Treasury Advantage Fund - Institutional-Growth has delivered a CAGR of 7.38% — +3.69 pp ahead of the Low Duration Fund category average of 3.69%. The fund ranks #5 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Treasury Advantage Fund - Institutional-Growth exactly 10 years ago would be worth approximately ₹178,542 today — a multiplier of 1.79×, based on the 10-year CAGR of 5.97%. The category average over the same window would have grown ₹1 lakh to ₹132,647.

A ₹10,000 monthly SIP in UTI - Treasury Advantage Fund - Institutional-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹716,438 today. That's an XIRR (money-weighted annualised return) of 7.03%.

A ₹10,000 monthly SIP for 10 years in UTI - Treasury Advantage Fund - Institutional-Growth = ₹1,200,000 invested. It would currently be worth ₹1,660,352 (multiplier 1.38×). XIRR: 6.32%. 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 - Institutional-Growth ranks #5 out of 24 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 3.69%; this fund delivered 7.38%.

The worst peak-to-trough decline UTI - Treasury Advantage Fund - Institutional-Growth 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 - Institutional-Growth averaged 7.10% (best 9.36%, worst 4.47%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, UTI - Treasury Advantage Fund - Institutional-Growth returned 7.52% — beating the Low Duration Fund category average of 4.48% by 3.04 pp. It ranked #3 of 23 in its category that year.

UTI - Treasury Advantage Fund - Institutional-Growth 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 - Institutional-Growth 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: 7.38%.

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

UTI - Treasury Advantage Fund - Institutional-Growth

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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