Should I invest in UTI Wealth Builder Fund?

We don't give personal investment advice. UTI Wealth Builder Fund - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. 5-year CAGR: 8.26%.

UTI

UTI Wealth Builder Fund - Growth Option

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	-1.32%	+0.06%	-1.38	290 / 299	Q4
1W	-2.91%	-3.61%	+0.69	253 / 303	Q4
2W	-5.60%	-4.52%	-1.09	252 / 303	Q4
1M	-4.09%	-5.64%	+1.54	216 / 302	Q3
3M	-8.43%	-4.27%	-4.16	226 / 302	Q3
6M	-10.83%	+1.48%	-12.31	234 / 307	Q4
YTD	-14.34%	-0.18%	-14.16	246 / 309	Q4
1Y	-15.41%	+7.10%	-22.51	247 / 307	Q4
2Y	+3.70%	+2.20%	+1.50	148 / 303	Q2
3Y	+15.06%	+0.76%	+14.30	59 / 264	Q1
4Y	+1.49%	+0.58%	+0.91	156 / 235	Q3
5Y	+8.26%	+0.02%	+8.24	66 / 208	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.42%	+0.51%	+7.91	89 / 310	Q2

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
2011 YTD	-14.34%	-23.68%	+9.34	37 / 241
2010	+15.44%	+11.69%	+3.75	100 / 256
2009	+84.88%	+65.86%	+19.02	59 / 238
2008	-52.97%	-52.86%	-0.11	72 / 198
2007	+61.04%	+42.91%	+18.12	30 / 137
2006	—	—	—	—

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

+16.20%

48 windows

min -53.8% · max 103.1%

69% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+9.74%

24 windows

min -0.6% · max 16.1%

96% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

27.14%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.76

Downside-only deviation

Max drawdown

-23.68%

Oct 2008 → Mar 2009

% positive months

58.3%

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.

Recent NAVs

Date	NAV
4 Oct 2011	₹14.9900
3 Oct 2011	₹15.1900
30 Sep 2011	₹15.4200
29 Sep 2011	₹15.5600
28 Sep 2011	₹15.4300
27 Sep 2011	₹15.4400
26 Sep 2011	₹15.1200
23 Sep 2011	₹15.2700
22 Sep 2011	₹15.4700
21 Sep 2011	₹15.9600

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.

UTI Wealth Builder Fund - Growth Option is a Growth from UTI (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI Wealth Builder Fund - Growth Option has NAV history starting from 08 Nov 2006, a track record of about 19 years 7 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 Wealth Builder Fund - Growth Option is managed by UTI. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Wealth Builder Fund - Growth Option has delivered a absolute return of -15.41% — -22.51 pp behind the Growth category average of 7.10%. The fund ranks #247 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Wealth Builder Fund - Growth Option has delivered a CAGR of 15.06% — +14.3 pp ahead of the Growth category average of 0.76%. The fund ranks #59 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Wealth Builder Fund - Growth Option has delivered a CAGR of 8.26% — +8.24 pp ahead of the Growth category average of 0.02%. The fund ranks #66 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Wealth Builder Fund - Growth Option exactly 5 years ago would be worth approximately ₹148,710 today — a multiplier of 1.49×, based on the 5-year CAGR of 8.26%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI Wealth Builder Fund - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹418,712 today. That's an XIRR (money-weighted annualised return) of 10.05%.

UTI Wealth Builder Fund - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹418,712 — XIRR 10.05%.

On a 5-year basis, UTI Wealth Builder Fund - Growth Option ranks #66 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 8.26%.

The worst peak-to-trough decline UTI Wealth Builder Fund - Growth Option has experienced over the last 3-year window is 23.68% — its NAV fell from a high on 06 Oct 2008 to a low on 09 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI Wealth Builder Fund - Growth Option averaged 9.74% (best 16.06%, worst -0.58%). 96% of rolling windows ended positive. The 3-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2010, UTI Wealth Builder Fund - Growth Option returned 15.44% — beating the Growth category average of 11.69% by 3.75 pp. It ranked #100 of 256 in its category that year.

UTI Wealth Builder Fund - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI Wealth Builder Fund - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. 5-year CAGR: 8.26%.

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