Should I invest in UTI?

We don't give personal investment advice. UTI-Dividend Yield Fund.-Growth-Direct 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: 20.1%. 5-year CAGR: 13.30%.

UTI

UTI-Dividend Yield Fund.-Growth-Direct

Latest NAV

₹191.8998

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%	+0.38%	+0.12	6 / 11	Q3
1W	+0.02%	+0.08%	-0.06	8 / 11	Q3
2W	+0.06%	0.00%	+0.07	5 / 11	Q2
1M	+0.81%	+0.76%	+0.05	7 / 11	Q3
3M	+0.02%	+1.39%	-1.38	8 / 11	Q3
6M	-2.46%	-0.29%	-2.17	8 / 11	Q3
YTD	-2.89%	-0.85%	-2.04	8 / 10	Q4
1Y	-0.31%	+1.83%	-2.14	8 / 10	Q4
2Y	+0.66%	+0.83%	-0.16	5 / 9	Q3
3Y	+15.33%	+15.19%	+0.14	4 / 9	Q2
4Y	+16.90%	+17.47%	-0.57	5 / 7	Q3
5Y	+13.30%	+15.42%	-2.12	6 / 6	Q4
7Y	+16.71%	+18.18%	-1.47	4 / 4	Q4
10Y	+14.44%	+14.87%	-0.43	3 / 4	Q3
Inception	+13.37%	+12.18%	+1.19	7 / 11	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%	-0.85%	-2.04	8 / 10
2025	+5.68%	+5.84%	-0.16	5 / 10
2024	+25.00%	+20.20%	+4.80	2 / 9
2023	+35.96%	+37.90%	-1.94	5 / 7
2022	-4.74%	+4.35%	-9.09	7 / 7
2021	+39.00%	+42.04%	-3.05	4 / 5
2020	+19.17%	+18.60%	+0.57	2 / 4
2019	+3.73%	+2.79%	+0.94	3 / 4
2018	+1.52%	-7.74%	+9.26	1 / 4
2017	+28.68%	+34.18%	-5.50	4 / 4
2016	+6.40%	+7.02%	-0.62	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

+16.88%

153 windows

min -21.6% · max 63.7%

79% positive

3-Year rolling

+15.14%

129 windows

min -1.7% · max 28.1%

98% positive

5-Year rolling

+14.77%

105 windows

min 1.5% · max 28.8%

100% positive

7-Year rolling

+14.10%

80 windows

min 7.2% · max 19.3%

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

12.42%

3-year · annualised

Sharpe ratio

0.70

vs risk-free 6.5%

Sortino ratio

1.22

Downside-only deviation

Max drawdown

-18.16%

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 Dividend Yield Fund

Scheme	Fund house	NAV	As of
HDFC Dividend Yield Fund - Growth Option Direct Plan	HDFC	₹26.8360	17 Jul 2026
SBI Dividend Yield Fund - Direct Plan - Growth	SBI	₹16.0354	17 Jul 2026
ICICI Prudential Dividend Yield Equity Fund Direct Plan Growth Option	ICICI Prudential	₹60.6000	17 Jul 2026
Aditya Birla Sun Life Dividend Yield Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹499.9100	17 Jul 2026
Franklin India Dividend Yield Fund - Direct - Growth	Franklin India	₹149.6995	17 Jul 2026
Kotak Dividend Yield Fund - Direct - Growth	Kotak	₹9.8040	17 Jul 2026
Baroda BNP Paribas Dividend Yield Fund - Direct Plan - Growth Option	Baroda BNP Paribas	₹9.9064	17 Jul 2026
LIC MF Dividend Yield Fund-Direct Plan-Growth	LIC	₹35.5705	17 Jul 2026
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund) - Direct Plan - Growth Option	Sundaram	₹145.5705	17 Jul 2026
Tata Dividend Yield Fund-Direct Plan-Growth	Tata	₹21.3537	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹191.8998
16 Jul 2026	₹190.9490
15 Jul 2026	₹191.3271
14 Jul 2026	₹191.2438
13 Jul 2026	₹192.3600
10 Jul 2026	₹191.8566
9 Jul 2026	₹190.0183
8 Jul 2026	₹189.3201
7 Jul 2026	₹192.4675
6 Jul 2026	₹192.7240

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.-Growth-Direct is ₹191.8998. It's a Dividend Yield Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI-Dividend Yield Fund.-Growth-Direct 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.-Growth-Direct 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.-Growth-Direct has delivered a absolute return of -0.31% — -2.14 pp behind the Dividend Yield Fund category average of 1.83%. The fund ranks #8 of 10 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI-Dividend Yield Fund.-Growth-Direct has delivered a CAGR of 15.33% — +0.14 pp ahead of the Dividend Yield Fund category average of 15.19%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI-Dividend Yield Fund.-Growth-Direct has delivered a CAGR of 13.30% — -2.12 pp behind the Dividend Yield Fund category average of 15.42%. The fund ranks #6 of 6 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI-Dividend Yield Fund.-Growth-Direct exactly 10 years ago would be worth approximately ₹385,289 today — a multiplier of 3.85×, based on the 10-year CAGR of 14.44%. The category average over the same window would have grown ₹1 lakh to ₹400,107.

A ₹10,000 monthly SIP in UTI-Dividend Yield Fund.-Growth-Direct over the last 5 years — total invested ₹600,000 — would be worth ₹820,873 today. That's an XIRR (money-weighted annualised return) of 12.49%.

A ₹10,000 monthly SIP for 10 years in UTI-Dividend Yield Fund.-Growth-Direct = ₹1,200,000 invested. It would currently be worth ₹2,612,524 (multiplier 2.18×). XIRR: 14.87%. 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.-Growth-Direct ranks #6 out of 6 funds in the Dividend Yield Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 15.42%; this fund delivered 13.30%.

The worst peak-to-trough decline UTI-Dividend Yield Fund.-Growth-Direct has experienced over the last 5-year window is 20.06% — 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.-Growth-Direct averaged 14.77% (best 28.78%, worst 1.47%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — reasonable risk-adjusted performance.

In calendar year 2025, UTI-Dividend Yield Fund.-Growth-Direct returned 5.68% — lagging the Dividend Yield Fund category average of 5.84% by 0.16 pp. It ranked #5 of 10 in its category that year.

UTI-Dividend Yield Fund.-Growth-Direct 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.-Growth-Direct 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: 20.1%. 5-year CAGR: 13.30%.

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