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For a commutative ring  R  with unity, the zero divisor graphis an undirected graph with all non-zero zero divisors of  R  as vertices and two distinct vertices  u  and  v  are adjacent if and only if  uv  = 0. For a simple graph  G  with the adjacency matrix  A  and degree diagonal matrix  D , the universal adjacency matrix iswhereI  is identity matrix and  J  is all-ones matrix. For a graph  H  on  k  vertices and a family of vertex disjoint regular graphswe determine eigenpairs of the universal adjacency matrix of  H -join ofin terms of eigenpairs of the adjacency matrix of  H i,and a symmetric matrix of order  k . For a non-prime integer  n  &gt; 3, we obtain eigenpairs ofandAs an application, we also discuss the adjacency, Seidel, Laplacian and signless Laplacian spectra of bothandLastly, we determine the characteristic polynomial offor prime  p  and integer  m  &gt; 1 (except forwith).

Universal adjacency spectrum of zero divisor graph on the ring and its complement