Should I invest in UTI Wealth Builder Fund?

We don't give personal investment advice. UTI Wealth Builder Fund - Dividend 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: 3.46%.

UTI

UTI Wealth Builder Fund - Dividend 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	-1.24%	+0.06%	-1.30	289 / 299	Q4
1W	-2.85%	-3.61%	+0.76	249 / 303	Q4
2W	-5.53%	-4.52%	-1.01	249 / 303	Q4
1M	-4.02%	-5.64%	+1.62	213 / 302	Q3
3M	-8.36%	-4.27%	-4.09	225 / 302	Q3
6M	-18.37%	+1.48%	-19.85	261 / 307	Q4
YTD	-21.64%	-0.18%	-21.46	268 / 309	Q4
1Y	-22.60%	+7.10%	-29.71	267 / 307	Q4
2Y	-4.38%	+2.20%	-6.58	213 / 303	Q3
3Y	+6.69%	+0.76%	+5.93	124 / 264	Q2
4Y	-4.10%	+0.58%	-4.69	202 / 235	Q4
5Y	+3.46%	+0.02%	+3.44	121 / 208	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.53%	+0.51%	+3.02	184 / 310	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
2011 YTD	-21.64%	-23.68%	+2.04	88 / 241
2010	+7.32%	+11.69%	-4.37	169 / 256
2009	+73.29%	+65.86%	+7.43	97 / 238
2008	-53.00%	-52.86%	-0.14	73 / 198
2007	+61.13%	+42.91%	+18.22	29 / 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

+10.95%

48 windows

min -53.8% · max 90.3%

60% positive

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

3-Year rolling

+5.05%

24 windows

min -5.1% · max 13.6%

88% 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

28.45%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

0.24

Downside-only deviation

Max drawdown

-24.33%

Nov 2010 → Aug 2011

% positive months

55.6%

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	₹11.9500
3 Oct 2011	₹12.1000
30 Sep 2011	₹12.2800
29 Sep 2011	₹12.3900
28 Sep 2011	₹12.2900
27 Sep 2011	₹12.3000
26 Sep 2011	₹12.0500
23 Sep 2011	₹12.1700
22 Sep 2011	₹12.3300
21 Sep 2011	₹12.7100

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 - Dividend 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 - Dividend 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 - Dividend 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 - Dividend Option has delivered a absolute return of -22.60% — -29.71 pp behind the Growth category average of 7.10%. The fund ranks #267 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Wealth Builder Fund - Dividend Option has delivered a CAGR of 6.69% — +5.93 pp ahead of the Growth category average of 0.76%. The fund ranks #124 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Wealth Builder Fund - Dividend Option has delivered a CAGR of 3.46% — +3.44 pp ahead of the Growth category average of 0.02%. The fund ranks #121 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Wealth Builder Fund - Dividend Option exactly 5 years ago would be worth approximately ₹118,551 today — a multiplier of 1.19×, based on the 5-year CAGR of 3.46%. 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 - Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹359,731 today. That's an XIRR (money-weighted annualised return) of -0.05%.

UTI Wealth Builder Fund - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹359,731 — XIRR -0.05%.

On a 5-year basis, UTI Wealth Builder Fund - Dividend Option ranks #121 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 3.46%.

The worst peak-to-trough decline UTI Wealth Builder Fund - Dividend Option has experienced over the last 3-year window is 24.33% — its NAV fell from a high on 09 Nov 2010 to a low on 26 Aug 2011. 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 - Dividend Option averaged 5.05% (best 13.59%, worst -5.08%). 88% of rolling windows ended positive. The 3-year Sharpe ratio is 0.14 — weak risk-adjusted performance.

In calendar year 2010, UTI Wealth Builder Fund - Dividend Option returned 7.32% — lagging the Growth category average of 11.69% by 4.37 pp. It ranked #169 of 256 in its category that year.

UTI Wealth Builder Fund - Dividend 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 - Dividend 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: 3.46%.

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