Should I invest in UTI - Wealth Builder Fund - Series II?

We don't give personal investment advice. UTI - Wealth Builder Fund - Series II - Dividend Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 14.2%. 5-year CAGR: 8.66%.

UTI

UTI - Wealth Builder Fund - Series II - Dividend Option

Latest NAV

₹29.1197

As of

3 Jun 2026

4,293 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	+0.56%	+0.29%	+0.26	2 / 5	Q2
1W	-1.01%	-1.11%	+0.11	2 / 5	Q2
2W	-0.38%	-0.38%	0.00	4 / 5	Q4
1M	+0.43%	-0.37%	+0.79	2 / 5	Q2
3M	-2.85%	-2.58%	-0.27	4 / 5	Q4
6M	-3.42%	-1.94%	-1.48	4 / 5	Q4
YTD	-3.61%	-2.95%	-0.67	4 / 5	Q4
1Y	+2.65%	+4.14%	-1.49	3 / 4	Q3
2Y	+3.27%	+5.68%	-2.40	3 / 4	Q3
3Y	+12.22%	+13.81%	-1.59	3 / 4	Q3
4Y	+11.88%	+13.64%	-1.76	3 / 4	Q3
5Y	+8.66%	+12.18%	-3.52	4 / 4	Q4
7Y	+7.53%	+11.02%	-3.49	3 / 4	Q3
10Y	+5.54%	+9.34%	-3.80	3 / 4	Q3
Inception	+6.29%	+8.61%	-2.32	4 / 5	Q4

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	-3.61%	-2.95%	-0.67	4 / 5
2025	+6.88%	+11.85%	-4.97	4 / 4
2024	+16.22%	+15.53%	+0.69	2 / 4
2023	+22.74%	+22.53%	+0.22	3 / 4
2022	-0.94%	+7.09%	-8.03	4 / 4
2021	+6.83%	+18.89%	-12.07	4 / 4
2020	+7.54%	+6.92%	+0.62	3 / 4
2019	-2.12%	+0.72%	-2.84	3 / 4
2018	-6.23%	-5.53%	-0.70	3 / 4
2017	+9.28%	+17.19%	-7.91	4 / 4
2016	+5.31%	+6.37%	-1.06	3 / 4

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

+6.15%

201 windows

min -25.9% · max 49.9%

66% positive

3-Year rolling

+4.68%

177 windows

min -9.3% · max 16.4%

76% positive

5-Year rolling

+3.93%

152 windows

min -7.6% · max 13.0%

89% positive

7-Year rolling

+3.12%

128 windows

min -1.5% · max 8.1%

90% 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

9.91%

3-year · annualised

Sharpe ratio

0.56

vs risk-free 6.5%

Sortino ratio

0.85

Downside-only deviation

Max drawdown

-11.94%

Sep 2024 → Feb 2025

% positive months

80.6%

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.

Peers in Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
HDFC Multi-Asset Fund - Growth Option - Direct Plan	HDFC	₹82.3540	3 Jun 2026
Nippon India Multi Asset Allocation Fund - Direct Plan - Growth Option	Nippon India	₹26.3932	2 Jun 2026
SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH	SBI	₹73.7773	3 Jun 2026
ICICI Prudential Dynamic Plan-Dividend Option	ICICI Prudential	₹34.3528	2 Jun 2026
Invesco India Multi Asset Allocation Fund - Direct Plan - Growth	Invesco	₹12.4500	3 Jun 2026
Bandhan Multi Asset Allocation Fund - Direct Plan - Growth	Bandhan	₹14.5409	2 Jun 2026
quant Multi Asset Allocation Fund-GROWTH OPTION-Direct Plan	Quant	₹180.0410	3 Jun 2026
Quantum Multi Asset Allocation Fund - Direct Plan Growth Option	Quantum	₹12.1000	3 Jun 2026
Aditya Birla Sun Life Multi Asset Allocation Fund-Direct Growth	Aditya Birla Sun Life	₹17.2302	3 Jun 2026
Franklin India Multi Asset Allocation Fund- Direct-Growth	Franklin India	₹10.9111	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹29.1197
2 Jun 2026	₹29.2925
1 Jun 2026	₹29.1303
29 May 2026	₹29.3550
27 May 2026	₹29.6332
26 May 2026	₹29.5901
25 May 2026	₹29.6454
22 May 2026	₹29.4488
21 May 2026	₹29.4090
20 May 2026	₹29.3954

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 - Wealth Builder Fund - Series II - Dividend Option is ₹29.1197. It's a Multi Asset Allocation Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Wealth Builder Fund - Series II - Dividend Option has NAV history starting from 18 Dec 2008, a track record of about 17 years 5 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 - Series II - Dividend Option is managed by UTI. It's classified by AMFI under the 'Multi Asset Allocation Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Wealth Builder Fund - Series II - Dividend Option has delivered a absolute return of 2.65% — -1.49 pp behind the Multi Asset Allocation Fund category average of 4.14%. The fund ranks #3 of 4 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - Wealth Builder Fund - Series II - Dividend Option has delivered a CAGR of 12.22% — -1.59 pp behind the Multi Asset Allocation Fund category average of 13.81%. The fund ranks #3 of 4 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - Wealth Builder Fund - Series II - Dividend Option has delivered a CAGR of 8.66% — -3.52 pp behind the Multi Asset Allocation Fund category average of 12.18%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Wealth Builder Fund - Series II - Dividend Option exactly 10 years ago would be worth approximately ₹171,458 today — a multiplier of 1.71×, based on the 10-year CAGR of 5.54%. The category average over the same window would have grown ₹1 lakh to ₹244,174.

A ₹10,000 monthly SIP in UTI - Wealth Builder Fund - Series II - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹754,032 today. That's an XIRR (money-weighted annualised return) of 9.07%.

A ₹10,000 monthly SIP for 10 years in UTI - Wealth Builder Fund - Series II - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,737,424 (multiplier 1.45×). XIRR: 7.19%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Wealth Builder Fund - Series II - Dividend Option ranks #4 out of 4 funds in the Multi Asset Allocation Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.18%; this fund delivered 8.66%.

The worst peak-to-trough decline UTI - Wealth Builder Fund - Series II - Dividend Option has experienced over the last 5-year window is 14.23% — its NAV fell from a high on 18 Oct 2021 to a low on 20 Jun 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 - Wealth Builder Fund - Series II - Dividend Option averaged 3.93% (best 13.03%, worst -7.62%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, UTI - Wealth Builder Fund - Series II - Dividend Option returned 6.88% — lagging the Multi Asset Allocation Fund category average of 11.85% by 4.97 pp. It ranked #4 of 4 in its category that year.

UTI - Wealth Builder Fund - Series II - Dividend Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

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

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 14.2%. 5-year CAGR: 8.66%.

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