MonitorDirect · GrowthWatch before adding
UTI - Dividend Yield Fund
UTI Mutual FundEquity Schemes - Dividend Yield Fund13.8 years
The scheme seeks to generate long term capital appreciation and income by investing predominantly in dividend yielding equity and equity related securities.
- NAV
- 182.7713
- 30 Oct 2026
- 1Y
- -6.5%
- Trailing CAGR
- Upside capture
- +90%
- Vs NIFTY 500 TRI
- Downside capture
- +81%
- Lower is better
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer ICICI Prudential Dividend Yield Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Watch
1.54% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -32.7%. Ask whether you can hold through a similar fall.
Vs category
Fail
31% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Amit Kumar Premchandani · 4.0 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 36.2% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 33%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-6.5%
- 3Y+12.8%
- 5Y+10.1%
- 10Y+13.2%
- SI+12.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-7.1%
- 3Y+1.8%
- 5Y+9.6%
- 10Y+13.3%
- Since inception
- +12.7%
- Calendar-day CAGR
- Excess 1Y
- +3.2%
- Category median, same plan and option
- 3Y win rate
- +31%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +1.8%
- Simulated monthly SIP
- Worst rolling 3Y
- -5.0%
- 2654 daily-ending windows
- Median rolling 3Y
- +15.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2161 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +0.8%
- Fund minus TRI
- 3Y excess
- +2.6%
- Fund minus TRI
- Upside capture
- +90%
- Benchmark-up months
- Downside capture
- +81%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -32.7%
- Worst peak-to-trough
- Current
- -10.3%
- Below last peak
- Current spell
- 763 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 129 recovered episodes
- Longest recovery
- 375 days
- Trough to prior peak
31 Aug 2018 – 19 Aug 2020
Trough 23 Mar 2020 · recovered in 149 days
-32.7%
3 Mar 2015 – 6 Sept 2016
Trough 29 Feb 2016 · recovered in 190 days
-22.4%
19 Oct 2021 – 30 Jun 2023
Trough 20 Jun 2022 · recovered in 375 days
-20.1%
27 Sept 2024 – open
Trough 28 Feb 2025 · not recovered
-18.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
70
Consistency
32
Risk-adjusted
51
Drawdown
18
Mean
34
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 65 holdings · top 10 are 36.2%.
- Top 5
- 23.2%
- Top 10
- 36.2%
- Largest holding
- 8.1%
- Effective holdings
- 40.1
HDFC Bank Ltd
Financial
8.1%
ICICI Bank Ltd
Financial
5.7%
State Bank of India
Financial
3.3%
Tech Mahindra Ltd
Technology
3.1%
Kotak Mahindra Bank Ltd
Financial
3.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.