Should I invest in UTI?

We don't give personal investment advice. UTI-Dividend Yield Fund.-Income 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: 22.8%. 5-year CAGR: 10.39%.

UTI

UTI-Dividend Yield Fund.-Income

Latest NAV

₹32.1979

As of

3 Jun 2026

4,963 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	+0.47%	+0.34%	+0.13	4 / 9	Q2
1W	-1.60%	-1.37%	-0.22	8 / 9	Q4
2W	-1.13%	-0.31%	-0.82	9 / 9	Q4
1M	-1.73%	-1.30%	-0.42	8 / 9	Q4
3M	-3.73%	-3.05%	-0.68	7 / 9	Q4
6M	-5.15%	-4.62%	-0.53	6 / 9	Q3
YTD	-5.88%	-5.00%	-0.89	7 / 9	Q4
1Y	-2.99%	-1.56%	-1.43	7 / 9	Q4
2Y	+1.06%	-0.19%	+1.25	4 / 9	Q2
3Y	+13.37%	+13.44%	-0.07	6 / 9	Q3
4Y	+12.07%	+13.07%	-0.99	7 / 9	Q4
5Y	+10.39%	+12.67%	-2.29	6 / 8	Q3
7Y	+10.30%	+12.95%	-2.65	5 / 7	Q3
10Y	+8.02%	+11.03%	-3.01	5 / 7	Q3
Inception	+4.44%	+10.24%	-5.80	8 / 9	Q4

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	-5.88%	-5.00%	-0.89	7 / 9
2025	+2.35%	+1.95%	+0.40	5 / 9
2024	+18.53%	+16.82%	+1.71	4 / 9
2023	+35.14%	+34.20%	+0.93	5 / 9
2022	-7.98%	+1.00%	-8.98	9 / 9
2021	+30.39%	+36.56%	-6.17	6 / 8
2020	+14.96%	+15.38%	-0.42	4 / 7
2019	-5.19%	-0.48%	-4.71	7 / 7
2018	-8.11%	-11.11%	+3.00	2 / 7
2017	+17.13%	+27.50%	-10.37	7 / 7
2016	-1.73%	+2.74%	-4.48	6 / 7

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

+7.71%

234 windows

min -50.5% · max 67.5%

56% positive

3-Year rolling

+6.05%

210 windows

min -12.6% · max 21.3%

80% positive

5-Year rolling

+5.34%

185 windows

min -7.8% · max 21.2%

83% positive

7-Year rolling

+4.60%

161 windows

min -1.8% · max 12.2%

95% 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

13.67%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.82

Downside-only deviation

Max drawdown

-20.16%

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 - Growth Plan	HDFC	₹24.0310	3 Jun 2026
ICICI Prudential Dividend Yield Equity Fund Growth Option	ICICI Prudential	₹51.6200	3 Jun 2026
Templeton India Equity Income Fund-Dividend Plan	Franklin Templeton	₹23.7678	2 Jun 2026
UTI-Dividend Yield Fund.-Growth	UTI	₹171.0709	3 Jun 2026
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund)-Growth Plan	Sundaram	₹129.2461	3 Jun 2026
Birla Sun Life Dividend Yield Plus-Plan A (Dividend)	Birla Sun Life	₹25.6500	2 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹32.1979
2 Jun 2026	₹32.3539
1 Jun 2026	₹32.2011
29 May 2026	₹32.3844
27 May 2026	₹32.7868
26 May 2026	₹32.8791
25 May 2026	₹32.9311
22 May 2026	₹32.6084
21 May 2026	₹32.6537
20 May 2026	₹32.6617

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.-Income is ₹32.1979. It's a Dividend Yield Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI-Dividend Yield Fund.-Income has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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-Dividend Yield Fund.-Income 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.-Income has delivered a absolute return of -2.99% — -1.43 pp behind the Dividend Yield Fund category average of -1.56%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI-Dividend Yield Fund.-Income has delivered a CAGR of 13.37% — -0.07 pp behind the Dividend Yield Fund category average of 13.44%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI-Dividend Yield Fund.-Income has delivered a CAGR of 10.39% — -2.29 pp behind the Dividend Yield Fund category average of 12.67%. The fund ranks #6 of 8 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI-Dividend Yield Fund.-Income exactly 10 years ago would be worth approximately ₹216,359 today — a multiplier of 2.16×, based on the 10-year CAGR of 8.02%. The category average over the same window would have grown ₹1 lakh to ₹284,723.

A ₹10,000 monthly SIP in UTI-Dividend Yield Fund.-Income over the last 5 years — total invested ₹600,000 — would be worth ₹745,889 today. That's an XIRR (money-weighted annualised return) of 8.63%.

A ₹10,000 monthly SIP for 10 years in UTI-Dividend Yield Fund.-Income = ₹1,200,000 invested. It would currently be worth ₹1,974,171 (multiplier 1.65×). XIRR: 9.61%. 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.-Income ranks #6 out of 8 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 12.67%; this fund delivered 10.39%.

The worst peak-to-trough decline UTI-Dividend Yield Fund.-Income has experienced over the last 5-year window is 22.80% — 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.-Income averaged 5.34% (best 21.19%, worst -7.82%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is 0.32 — weak risk-adjusted performance.

In calendar year 2025, UTI-Dividend Yield Fund.-Income returned 2.35% — beating the Dividend Yield Fund category average of 1.95% by 0.40 pp. It ranked #5 of 9 in its category that year.

UTI-Dividend Yield Fund.-Income 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.-Income 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: 22.8%. 5-year CAGR: 10.39%.

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