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

We don't give personal investment advice. UTI - Wealth Builder Fund - Series II - Growth 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: 11.8%. 5-year CAGR: 13.40%.

UTI

UTI - Wealth Builder Fund - Series II - Growth Option

Latest NAV

₹77.1736

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	1 / 5	Q1
1W	-1.01%	-1.11%	+0.11	1 / 5	Q1
2W	-0.38%	-0.38%	0.00	5 / 5	Q4
1M	+0.43%	-0.37%	+0.79	1 / 5	Q1
3M	-2.00%	-2.58%	+0.58	2 / 5	Q2
6M	-1.75%	-1.94%	+0.19	2 / 5	Q2
YTD	-1.95%	-2.95%	+0.99	2 / 5	Q2
1Y	+6.24%	+4.14%	+2.10	2 / 4	Q2
2Y	+6.96%	+5.68%	+1.29	2 / 4	Q2
3Y	+16.55%	+13.81%	+2.74	2 / 4	Q2
4Y	+16.62%	+13.64%	+2.98	1 / 4	Q1
5Y	+13.40%	+12.18%	+1.22	2 / 4	Q2
7Y	+12.56%	+11.02%	+1.53	2 / 4	Q2
10Y	+10.79%	+9.34%	+1.45	2 / 4	Q2
Inception	+12.39%	+8.61%	+3.78	2 / 5	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
2026 YTD	-1.95%	-2.95%	+0.99	2 / 5
2025	+10.74%	+11.85%	-1.11	3 / 4
2024	+20.68%	+15.53%	+5.15	1 / 4
2023	+28.94%	+22.53%	+6.41	1 / 4
2022	+4.42%	+7.09%	-2.67	3 / 4
2021	+11.61%	+18.89%	-7.29	3 / 4
2020	+13.01%	+6.92%	+6.09	1 / 4
2019	+3.78%	+0.72%	+3.06	2 / 4
2018	-0.40%	-5.53%	+5.13	1 / 4
2017	+16.64%	+17.19%	-0.56	2 / 4
2016	+7.03%	+6.37%	+0.66	2 / 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

+11.82%

201 windows

min -17.6% · max 71.5%

84% positive

3-Year rolling

+10.23%

177 windows

min -3.5% · max 26.8%

99% positive

5-Year rolling

+9.46%

152 windows

min -0.7% · max 18.5%

99% positive

7-Year rolling

+8.82%

128 windows

min 3.9% · max 14.9%

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

9.68%

3-year · annualised

Sharpe ratio

0.97

vs risk-free 6.5%

Sortino ratio

1.55

Downside-only deviation

Max drawdown

-11.18%

Jan 2026 → Mar 2026

% positive months

83.3%

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.

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	₹77.1736
2 Jun 2026	₹77.6317
1 Jun 2026	₹77.2017
29 May 2026	₹77.7973
27 May 2026	₹78.5346
26 May 2026	₹78.4202
25 May 2026	₹78.5668
22 May 2026	₹78.0457
21 May 2026	₹77.9404
20 May 2026	₹77.9043

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 - Growth Option is ₹77.1736. 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 - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of 6.24% — +2.1 pp ahead of the Multi Asset Allocation Fund category average of 4.14%. The fund ranks #2 of 4 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Wealth Builder Fund - Series II - Growth Option has delivered a CAGR of 16.55% — +2.74 pp ahead of the Multi Asset Allocation Fund category average of 13.81%. The fund ranks #2 of 4 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Wealth Builder Fund - Series II - Growth Option has delivered a CAGR of 13.40% — +1.22 pp ahead of the Multi Asset Allocation Fund category average of 12.18%. The fund ranks #2 of 4 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Wealth Builder Fund - Series II - Growth Option exactly 10 years ago would be worth approximately ₹278,676 today — a multiplier of 2.79×, based on the 10-year CAGR of 10.79%. 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 - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹843,283 today. That's an XIRR (money-weighted annualised return) of 13.57%.

A ₹10,000 monthly SIP for 10 years in UTI - Wealth Builder Fund - Series II - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,248,335 (multiplier 1.87×). XIRR: 12.06%. 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 - Growth Option ranks #2 out of 4 funds in the Multi Asset Allocation Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.18%; this fund delivered 13.40%.

The worst peak-to-trough decline UTI - Wealth Builder Fund - Series II - Growth Option has experienced over the last 5-year window is 11.81% — its NAV fell from a high on 17 Jan 2022 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 - Growth Option averaged 9.46% (best 18.48%, worst -0.67%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.72 — reasonable risk-adjusted performance.

In calendar year 2025, UTI - Wealth Builder Fund - Series II - Growth Option returned 10.74% — lagging the Multi Asset Allocation Fund category average of 11.85% by 1.11 pp. It ranked #3 of 4 in its category that year.

UTI - Wealth Builder Fund - Series II - Growth 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 - Growth 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: 11.8%. 5-year CAGR: 13.40%.

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