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: 11.49%.

UTI

UTI Dividend Yield Fund - Direct Plan - IDCW

Latest NAV

₹38.9408

As of

3 Jun 2026

3,300 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	+0.48%	+0.27%	+0.20	2 / 12	Q1
1W	-1.59%	-1.54%	-0.04	9 / 12	Q3
2W	-1.11%	-0.19%	-0.91	12 / 12	Q4
1M	-1.68%	-1.09%	-0.59	9 / 12	Q3
3M	-3.60%	-2.14%	-1.46	8 / 12	Q3
6M	-4.89%	-4.96%	+0.07	7 / 11	Q3
YTD	-5.67%	-5.41%	-0.26	7 / 11	Q3
1Y	-2.02%	-0.70%	-1.32	6 / 11	Q3
2Y	+2.05%	-0.71%	+2.75	4 / 10	Q2
3Y	+14.49%	+12.37%	+2.12	4 / 10	Q2
4Y	+13.19%	+11.70%	+1.49	3 / 8	Q2
5Y	+11.49%	+11.50%	-0.01	4 / 7	Q3
7Y	+11.53%	+9.80%	+1.73	1 / 4	Q1
10Y	+9.31%	+8.15%	+1.16	1 / 4	Q1
Inception	+7.91%	+8.55%	-0.64	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	-5.67%	-5.41%	-0.26	7 / 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

+11.11%

152 windows

min -29.8% · max 64.5%

63% positive

3-Year rolling

+9.00%

127 windows

min -10.6% · max 22.6%

87% positive

5-Year rolling

+8.56%

103 windows

min -6.6% · max 22.5%

89% positive

7-Year rolling

+7.78%

79 windows

min 0.0% · max 13.5%

99% 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

13.58%

3-year · annualised

Sharpe ratio

0.59

vs risk-free 6.5%

Sortino ratio

0.95

Downside-only deviation

Max drawdown

-19.67%

Sep 2024 → Feb 2025

% positive months

75.0%

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	₹20.9890	3 Jun 2026
SBI Dividend Yield Fund - Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) Option	SBI	₹15.2810	3 Jun 2026
ICICI Prudential Dividend Yield Equity Fund Direct Plan IDCW Option	ICICI Prudential	₹24.5000	3 Jun 2026
Aditya Birla Sun Life Dividend Yield Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹46.8800	2 Jun 2026
Franklin India Dividend Yield Fund - Direct - IDCW	Franklin India	₹27.0314	2 Jun 2026
Kotak Dividend Yield Fund - Direct - IDCW	Kotak	₹9.3770	3 Jun 2026
Baroda BNP Paribas Dividend Yield Fund - Direct Plan - IDCW Option	Baroda BNP Paribas	₹9.5561	3 Jun 2026
LIC MF Dividend Yield Fund-Direct Plan-IDCW	LIC	₹33.8008	3 Jun 2026
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option	Sundaram	₹59.4978	3 Jun 2026
Tata Dividend Yield Fund-Direct Plan-IDCW Payout	Tata	₹20.6807	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹38.9408
2 Jun 2026	₹39.1289
1 Jun 2026	₹38.9435
29 May 2026	₹39.1634
27 May 2026	₹39.6490
26 May 2026	₹39.7600
25 May 2026	₹39.8223
22 May 2026	₹39.4304
21 May 2026	₹39.4845
20 May 2026	₹39.4936

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 Dividend Yield Fund - Direct Plan - IDCW is ₹38.9408. 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 5 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 -2.02% — -1.32 pp behind the Dividend Yield Fund category average of -0.70%. 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 14.49% — +2.12 pp ahead of the Dividend Yield Fund category average of 12.37%. 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 11.49% — -0.01 pp behind the Dividend Yield Fund category average of 11.50%. 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 ₹243,616 today — a multiplier of 2.44×, based on the 10-year CAGR of 9.31%. The category average over the same window would have grown ₹1 lakh to ₹219,003.

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 ₹766,618 today. That's an XIRR (money-weighted annualised return) of 9.73%.

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 ₹2,102,578 (multiplier 1.75×). XIRR: 10.80%. 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 11.50%; this fund delivered 11.49%.

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 8.56% (best 22.48%, worst -6.58%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — 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: 11.49%.

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