Should I invest in UTI Dividend Yield Fund?

We don't give personal investment advice. UTI Dividend Yield Fund - Direct Plan - IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.2%. 5-year CAGR: 10.78%.

UTI

UTI Dividend Yield Fund - Direct Plan - IDCW

Latest NAV

₹40.2790

As of

17 Jul 2026

3,331 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	+0.50%	+0.36%	+0.14	6 / 12	Q2
1W	+0.02%	+0.01%	+0.01	8 / 12	Q3
2W	+0.06%	-0.02%	+0.09	5 / 12	Q2
1M	+0.81%	+0.56%	+0.25	7 / 12	Q3
3M	+0.02%	+1.44%	-1.42	9 / 12	Q3
6M	-2.46%	-2.19%	-0.26	7 / 12	Q3
YTD	-2.89%	-2.99%	+0.10	6 / 11	Q3
1Y	-2.46%	-1.02%	-1.44	6 / 11	Q3
2Y	-1.35%	-2.64%	+1.29	5 / 10	Q2
3Y	+12.99%	+11.16%	+1.83	4 / 10	Q2
4Y	+14.42%	+12.50%	+1.91	3 / 8	Q2
5Y	+10.78%	+10.64%	+0.13	4 / 7	Q3
7Y	+13.36%	+11.28%	+2.08	1 / 4	Q1
10Y	+9.55%	+7.84%	+1.72	1 / 4	Q1
Inception	+8.06%	+9.33%	-1.27	7 / 12	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	-2.89%	-2.99%	+0.10	6 / 11
2025	+3.40%	+2.90%	+0.50	6 / 11
2024	+20.11%	+15.42%	+4.70	2 / 10
2023	+35.96%	+32.76%	+3.20	4 / 8
2022	-7.03%	-0.45%	-6.59	8 / 8
2021	+32.17%	+35.42%	-3.25	3 / 5
2020	+16.03%	+14.39%	+1.64	1 / 4
2019	-3.73%	-3.81%	+0.08	3 / 4
2018	-6.68%	-14.22%	+7.54	1 / 4
2017	+18.76%	+24.83%	-6.07	4 / 4
2016	-0.58%	+1.65%	-2.23	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

+11.16%

153 windows

min -27.3% · max 59.3%

68% positive

3-Year rolling

+9.29%

129 windows

min -9.3% · max 23.9%

91% positive

5-Year rolling

+8.71%

105 windows

min -5.8% · max 25.2%

88% positive

7-Year rolling

+7.99%

80 windows

min 0.0% · max 13.9%

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

12.51%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.89

Downside-only deviation

Max drawdown

-19.67%

Sep 2024 → Feb 2025

% positive months

66.7%

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 Dividend Yield Fund

Scheme	Fund house	NAV	As of
HDFC Dividend Yield Fund - IDCW Option Direct Plan	HDFC	₹21.7460	17 Jul 2026
SBI Dividend Yield Fund - Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) Option	SBI	₹16.0366	17 Jul 2026
ICICI Prudential Dividend Yield Equity Fund Direct Plan IDCW Option	ICICI Prudential	₹25.5100	17 Jul 2026
Aditya Birla Sun Life Dividend Yield Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹46.1500	17 Jul 2026
Franklin India Dividend Yield Fund - Direct - IDCW	Franklin India	₹26.8008	17 Jul 2026
Kotak Dividend Yield Fund - Direct - IDCW	Kotak	₹9.8040	17 Jul 2026
Baroda BNP Paribas Dividend Yield Fund - Direct Plan - IDCW Option	Baroda BNP Paribas	₹9.9064	17 Jul 2026
LIC MF Dividend Yield Fund-Direct Plan-IDCW	LIC	₹35.5517	17 Jul 2026
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option	Sundaram	₹60.7606	17 Jul 2026
Tata Dividend Yield Fund-Direct Plan-IDCW Payout	Tata	₹21.3537	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹40.2790
16 Jul 2026	₹40.0794
15 Jul 2026	₹40.1588
14 Jul 2026	₹40.1413
13 Jul 2026	₹40.3756
10 Jul 2026	₹40.2699
9 Jul 2026	₹39.8841
8 Jul 2026	₹39.7375
7 Jul 2026	₹40.3982
6 Jul 2026	₹40.4520

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 Dividend Yield Fund - Direct Plan - IDCW is ₹40.2790. It's a Dividend Yield Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Dividend Yield Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Dividend Yield Fund - Direct Plan - IDCW is managed by UTI. It's classified by AMFI under the 'Dividend Yield Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Dividend Yield Fund - Direct Plan - IDCW has delivered a absolute return of -2.46% — -1.44 pp behind the Dividend Yield Fund category average of -1.02%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Dividend Yield Fund - Direct Plan - IDCW has delivered a CAGR of 12.99% — +1.83 pp ahead of the Dividend Yield Fund category average of 11.16%. The fund ranks #4 of 10 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Dividend Yield Fund - Direct Plan - IDCW has delivered a CAGR of 10.78% — +0.13 pp ahead of the Dividend Yield Fund category average of 10.64%. The fund ranks #4 of 7 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Dividend Yield Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹249,050 today — a multiplier of 2.49×, based on the 10-year CAGR of 9.55%. The category average over the same window would have grown ₹1 lakh to ₹212,678.

A ₹10,000 monthly SIP in UTI Dividend Yield Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹776,092 today. That's an XIRR (money-weighted annualised return) of 10.23%.

A ₹10,000 monthly SIP for 10 years in UTI Dividend Yield Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,140,822 (multiplier 1.78×). XIRR: 11.14%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Dividend Yield Fund - Direct Plan - IDCW ranks #4 out of 7 funds in the Dividend Yield Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.64%; this fund delivered 10.78%.

The worst peak-to-trough decline UTI Dividend Yield Fund - Direct Plan - IDCW has experienced over the last 5-year window is 22.16% — its NAV fell from a high on 19 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 Dividend Yield Fund - Direct Plan - IDCW averaged 8.71% (best 25.19%, worst -5.83%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, UTI Dividend Yield Fund - Direct Plan - IDCW returned 3.40% — beating the Dividend Yield Fund category average of 2.90% by 0.50 pp. It ranked #6 of 11 in its category that year.

UTI Dividend Yield Fund - Direct Plan - IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI Dividend Yield Fund - Direct Plan - IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.2%. 5-year CAGR: 10.78%.

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