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: 8.61%.

UTI

UTI - Wealth Builder Fund - Series II - Dividend Option

Latest NAV

₹29.5601

As of

17 Jul 2026

4,324 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	+0.36%	+0.26%	+0.10	2 / 7	Q2
1W	-0.18%	-0.16%	-0.02	3 / 5	Q3
2W	-0.42%	-0.44%	+0.02	2 / 5	Q2
1M	-0.30%	-0.04%	-0.26	4 / 5	Q4
3M	-0.54%	-0.42%	-0.12	4 / 5	Q4
6M	-3.19%	-1.96%	-1.23	4 / 5	Q4
YTD	-2.73%	-1.73%	-1.00	4 / 5	Q4
1Y	+2.51%	+4.90%	-2.39	4 / 5	Q4
2Y	+1.56%	+4.18%	-2.62	4 / 4	Q4
3Y	+10.95%	+12.71%	-1.77	3 / 4	Q3
4Y	+12.13%	+14.17%	-2.04	3 / 4	Q3
5Y	+8.61%	+12.19%	-3.57	4 / 4	Q4
7Y	+8.03%	+11.58%	-3.55	4 / 4	Q4
10Y	+5.12%	+8.84%	-3.71	3 / 4	Q3
Inception	+6.30%	+6.27%	+0.03	4 / 7	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
2026 YTD	-2.73%	-1.73%	-1.00	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

+6.48%

203 windows

min -23.8% · max 52.3%

66% positive

3-Year rolling

+4.83%

178 windows

min -7.2% · max 17.2%

78% positive

5-Year rolling

+4.00%

154 windows

min -6.1% · max 14.5%

87% positive

7-Year rolling

+3.25%

130 windows

min -1.0% · max 8.5%

94% 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

8.63%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

0.89

Downside-only deviation

Max drawdown

-11.94%

Sep 2024 → Feb 2025

% positive months

69.4%

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
ICICI Prudential Dynamic Plan-Dividend Option	ICICI Prudential	₹34.7279	17 Jul 2026
Franklin India Multi Asset Allocation Fund- Growth	Franklin India	₹10.9018	17 Jul 2026
UTI - Wealth Builder Fund - Series II - Growth Option	UTI	₹78.3409	17 Jul 2026
Zerodha Life Cycle Fund 2036 - Direct - Growth		₹9.9551	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹29.5601
16 Jul 2026	₹29.4531
15 Jul 2026	₹29.4712
14 Jul 2026	₹29.3796
13 Jul 2026	₹29.5912
10 Jul 2026	₹29.6133
9 Jul 2026	₹29.4119
8 Jul 2026	₹29.2134
7 Jul 2026	₹29.6802
6 Jul 2026	₹29.7498

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 - Wealth Builder Fund - Series II - Dividend Option is ₹29.5601. 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 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 - 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 2.51% — -2.39 pp behind the Multi Asset Allocation Fund category average of 4.90%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - Wealth Builder Fund - Series II - Dividend Option has delivered a CAGR of 10.95% — -1.77 pp behind the Multi Asset Allocation Fund category average of 12.71%. 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 8.61% — -3.57 pp behind the Multi Asset Allocation Fund category average of 12.19%. 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 ₹164,806 today — a multiplier of 1.65×, based on the 10-year CAGR of 5.12%. The category average over the same window would have grown ₹1 lakh to ₹233,188.

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 ₹751,271 today. That's an XIRR (money-weighted annualised return) of 8.92%.

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 ₹1,743,099 (multiplier 1.45×). XIRR: 7.25%. 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 12.19%; this fund delivered 8.61%.

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 4.00% (best 14.54%, worst -6.14%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is 0.23 — 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: 8.61%.

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