UTI - Dividend Yield Fund
Fund basics
Returns
No CAGR is shown for an IDCW scheme, and that is deliberate. Its NAV falls by every payout it makes, so a return computed from NAV alone understates it by exactly the amount distributed — and AMFI's daily file carries no payout history to add back. A wrong number wearing the right label is worse than an honest gap. The Growth option of this same fund is the one to compare on returns.
Regular vs Direct — same portfolio, two prices
The same fund, the same manager, the same shares. The only difference is the distributor commission inside the Regular plan's expense ratio — charged every year, on the whole balance.
| Plan | NAV | 1y | 3y | 5y |
|---|---|---|---|---|
| Regular (this page) | 33.3728 | — | — | — |
| Direct | 40.4110 | — | — | — |
The two NAVs are 17.4% apart today. They started life at the same ₹10 — the whole of that gap is what the commission has taken out of the Regular plan since launch.
Everything the NAV says
Computed from 5,022 published NAVs between 3 Apr 2006 and 26 Aug 2026 — 20.4 years of history. Nothing here is an estimate; it is arithmetic on what the fund actually printed.
How it has moved
Return over time (%)
| Fund name | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|
| UTI - Dividend Yield Fund Regular | 0.70 | 1.79 | -2.69 | -1.18 | 11.37 | 8.57 | 12.38 | 8.02 | 4.55 |
| Nifty 500 benchmark | 1.70 | 2.71 | 0.73 | 3.95 | 12.51 | 11.37 | — | — | 15.46 |
Anything over a year is annualised (CAGR); shorter windows are absolute. The benchmark row is the index fund named below, priced daily by AMFI like every other scheme here. The category row is the median Regular plan in Dividend Yield — the middle fund, not a ranking, and a median rather than an average so that one mis-stated scheme cannot move it. As on 26 Aug 2026.
Risk measures
| Fund name | Volatility | Sharpe | Sortino | Beta | Alpha | Max fall |
|---|---|---|---|---|---|---|
| UTI - Dividend Yield Fund Regular | 18.01 | 0.27 | 0.36 | 0.85 | -2.06 | -56.24 |
| Nifty 500 benchmark | 17.17 | 0.35 | 0.47 | — | — | -37.31 |
Risk measures use a risk-free rate of 6.5% and are stated so they can be checked — a ratio quoted without its risk-free rate cannot be. Beta and alpha need an index, so they are blank for the benchmark row itself.
Risk
| Volatility | Downside volatility | Sharpe | Sortino |
|---|---|---|---|
| 18.0% | 13.6% | 0.27 | 0.36 |
Sharpe and Sortino use a risk-free rate of 6.5%, roughly the 10-year government bond. Both are stated so the figure can be checked — a ratio quoted without its risk-free rate cannot be.
The worst it has been
| Deepest fall | Time to recover | Today, from its peak |
|---|---|---|
| -56.2% | 73 months | -11.0% |
A drawdown is the fall from a previous high to the low that followed it. It is the number that decides whether somebody stays invested — a fund can have an excellent ten-year return and still have been unbearable to hold in year four.
Every one-year period it has lived through
| Best year | Median year | Worst year | Losing years |
|---|---|---|---|
| 83.2% | 3.0% | -50.9% | 44% |
Rolling returns ask a fairer question than a single five-year figure: not "what did it do from this one start date", but "what happened across every start date". A fund whose worst year is −45% is a different proposition from one whose worst is −8%, even if the averages match.
Calendar years
If you had run a SIP
₹10,000 every month for five years — ₹600,000 invested in all — would be worth ₹757,229 today, an XIRR of 9.25% a year.
XIRR, not CAGR. A SIP's money arrives over sixty months, so most of it has been invested for far less than five years — which is why this figure normally sits below the five-year CAGR above in a rising market, and above it in a falling one. It is the return the investor got, not the return the fund got.
How it compares with its closest peers
The same category, the same plan, the same option — the only comparison that means anything. A Dividend Yield Regular Plan IDCW scheme against another of exactly the same kind.
| Scheme | Return | Alpha | Beta | Volatility | Sharpe | Max fall |
|---|---|---|---|---|---|---|
| UTI - Dividend Yield Fund UTI Mutual Fund · this scheme | 11.4% | -2.1% | 0.85 | 18.0% | 0.27 | -56.2% |
| Aditya Birla Sun Life Dividend Yield Fund Aditya Birla Sun Life Mutual Fund | 6.9% | -4.0% | 0.92 | 17.8% | 0.02 | -53.1% |
| Franklin India Dividend Yield Fund Franklin Templeton Mutual Fund | 3.6% | -5.2% | 0.82 | 17.9% | -0.16 | -61.4% |
| ICICI Prudential Dividend Yield Fund ICICI Prudential Mutual Fund | 4.0% | -5.0% | 0.91 | 16.9% | -0.15 | -57.3% |
| Kotak Dividend Yield Fund Kotak Mahindra Mutual Fund | — | — | — | 14.9% | — | -12.4% |
| LIC MF Dividend Yield Fund LIC Mutual Fund | 19.4% | 6.4% | 1.14 | 15.6% | 0.82 | -20.9% |
| SBI Dividend Yield Fund SBI Mutual Fund | 12.4% | -0.5% | 0.87 | 11.7% | 0.50 | -18.3% |
Alpha and beta are against Nifty 500. Max fall is the deepest peak-to-trough drop in each fund's own history, so a longer-running fund has had more chances to record a bad one. Click a column to sort. This is a sort, not a ranking, and nothing here is a recommendation.
What a Dividend Yield scheme is
At least 65% in equity, predominantly in high dividend-yielding stocks.
Companies that pay out rather than reinvest — usually mature, cash-generating businesses. Steadier than the market, and structurally lighter on the fast-growing names that drive bull runs.
Who it suits. Investors who prefer cash-generating businesses and a gentler ride.
How long money should stay. 5 years or more.
Compare this scheme with others →
Questions people ask
What is the NAV of UTI - Dividend Yield Fund — Regular Plan — IDCW?
₹33.3728 as on 26 Aug 2026, from AMFI's daily NAV file. NAV is declared once each business day after markets close, so the figure here is the most recent one published.
What is the difference between the Direct and Regular plan of UTI - Dividend Yield Fund?
They hold the identical portfolio, run by the same manager. A Regular plan pays a distributor commission out of the fund, inside its expense ratio — commonly 0.5% to 1.2% a year more than Direct. That difference is charged on the whole balance, every year, so it compounds: on ₹1,00,000 held ten years a gap of 1.5 percentage points is roughly ₹1.4 lakh of ending value. Direct is the same fund without the commission.
What does the IDCW option mean?
An IDCW option pays part of the fund's gains out to you, and the NAV falls by exactly what it pays. It is not extra return — it is your own money returned, taxed at your slab rate. That also means a return computed from NAV alone understates an IDCW scheme, which is why no CAGR is shown here for it.
What kind of scheme is this?
At least 65% in equity, predominantly in high dividend-yielding stocks. Companies that pay out rather than reinvest — usually mature, cash-generating businesses. Steadier than the market, and structurally lighter on the fast-growing names that drive bull runs.
How long should money stay in it?
Typically 5 years or more. Investors who prefer cash-generating businesses and a gentler ride.