Can I invest in SIP and Lumpsum in UTI-Dividend Yield Fund (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Dividend Yield Fund (IDCW). Minimum lumpsum investment UTI-Dividend Yield Fund (IDCW) is ₹5,000 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Dividend Yield Fund (IDCW) Direct Growth?

The latest NAV (Net Asset Value) of UTI-Dividend Yield Fund (IDCW) is UTI-Dividend Yield Fund (IDCW) is ₹31.44 as on 2025-02-20.

Which are the biggest stock holdings of UTI-Dividend Yield Fund (IDCW)?

The 5 biggest stock holdings of UTI-Dividend Yield Fund (IDCW) are: HDFC Bank (7.94%), Infosys (4.27%), Tech Mahindra (3.91%), Kotak Mah. Bank (3.12%), M & M (3.02%)

What are the top sectors UTI-Dividend Yield Fund (IDCW) invests in?

A majority of UTI-Dividend Yield Fund (IDCW) 's AUM worth ₹3,959.48 (Cr) is invested in these 3 top sectors: Banks : 18.25% IT-Software : 14.17% Pharmaceuticals & Biotech : 7.63%

Mutual Funds
UTI-Dividend Yield Fund (IDCW)

UTI-Dividend Yield Fund (IDCW)

Dividend Yield Fund

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NAV
31.44(0.42%)
Fund Size (CR)
₹3,959.48
Expense Ratio
1.99
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹500
Minimum Withdrawal
₹0
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
14.99%

Absolute Return: -5.49%

Annualized Return: 0%

Basic Details

Scheme Manager

Swati Kulkarni

Bench Mark

Nifty 500 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	12 February 2025	9929.16	-0.71%	-	-0.82%	20/42
1 Month	17 January 2025	9600.33	-4.00%	-	-4.76%	20/42
3 Month	19 November 2024	9369.78	-6.30%	-	-6.42%	19/42
6 Month	19 August 2024	8898.28	-11.02%	-	-11.93%	12/38
1 Year	19 February 2024	11051.08	10.51%	10.51%	3.45%	4/38
3 Year	18 February 2022	15735.82	57.36%	16.31%	17.03%	24/34
5 Year	19 February 2020	24205.02	142.05%	19.34%	20.97%	18/24
Since Inception	3 May 2005	159064.00	1490.64%	14.99%	13.59%	21/42

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 March 2024	1,20,000	582203.49	385.17%	385.17%
3 Year	2 March 2022	3,60,000	2305256.69	540.35%	85.70%
5 Year	2 March 2020	6,00,000	4559621.69	659.94%	50.02%
10 Year	2 March 2015	12,00,000	10589871.13	782.49%	24.33%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

4.04%

Standard Deviation

0.94%

Beta

0.74%

Sharpe Ratio

0.06%

Treynor's Ratio

3.10%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	7.94%	1850000	314.27	Equity	Banks
Infosys	4.27%	900000	169.18	Equity	IT - Software
Tech Mahindra	3.91%	925000	154.89	Equity	IT - Software
Kotak Mah. Bank	3.12%	650000	123.58	Equity	Banks
M & M	3.02%	400000	119.59	Equity	Automobile
ICICI Bank	2.85%	900000	112.75	Equity	Banks
TCS	2.80%	270000	111.03	Equity	IT - Software
ITC	2.71%	2400000	107.40	Equity	Tobacco Products
Cipla	2.34%	625000	92.46	Equity	Pharmaceuticals
St Bk of India	2.34%	1200000	92.75	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI-Dividend Yield Fund - Direct (IDCW)	3959.48	-3.94%	-6.16%	-10.74%	11.17%	17.02%
UTI-Dividend Yield Fund - Direct (G)	3959.48	-3.94%	-6.16%	-10.74%	11.17%	17.02%
ICICI Pru Dividend Yield Equity Fund-Direct (IDCW)	4834.90	-1.85%	-2.76%	-7.22%	8.52%	22.50%
ICICI Pru Dividend Yield Equity Fund - Direct (G)	4834.90	-1.84%	-2.75%	-7.22%	8.49%	22.49%
LIC MF Dividend Yield Fund - Direct (G)	482.65	-6.59%	-7.99%	-12.41%	8.41%	18.25%

News

UTI Aggressive Hybrid Fund announces Income Distribution cum Capital Withdrawal (IDCW)
UTI Mutual Fund has announced 20 February 2025 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under IDCW-Regular Plan and IDCW-Direct Plan of UTI Aggressive Hybrid Fund. The quantum of dividend will be Rs 0.9000 per unit or 9.00% on the face value of Rs 10 per unit.
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UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 03 February 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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UTI MF announces change in Fund Manager of the following schemes

UTI Mutual Fund has announced change in Fund Managers of the following scheme with effect from: 21 January 2025

Change in Fund Managers of the Scheme:

Scheme Name	Existing Fund Manager(s)	New Fund Manager(s)
UTI Overnight Fund	Mr. Ritesh Nambiar	Mr. Jaydeep Bhowal
UTI Ultra Short Term Fund	Mr. Ritesh Nambiar	Mr. Anurag Mittal
UTI Credit Risk Fund	Mr. Ritesh Nambiar	Mr. Sunil Patil
UTI Medium Duration Fund	Mr. Ritesh Nambiar	Mr. Sunil Patil

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Fund House Details & Investment Objective

Date of Incorporation

11 April 2005

Total AUM (Cr)

₹3959.48

UTI-Dividend Yield Fund (IDCW) is an Dividend Yield Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 11 April 2005, this fund is managed by Swati Kulkarni. With assets under management (AUM) worth ₹3,959.48 (Cr), as of 20 February 2025, UTI-Dividend Yield Fund (IDCW) is categorized as a Dividend Yield Fund within its segment. The fund has generated a return of 14.99% since its launch.
The current NAV of UTI-Dividend Yield Fund (IDCW) is ₹31.44, as on 20 February 2025. The fund's benchmark index is Nifty 500 TRI. You can invest in UTI-Dividend Yield Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Less than 1 year - 1%. Greater than or equal to 1 year - NIL. The fund has generated 16.31% and 19.34% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 96.98% in Equity, 0.76% in Debt and 2.26% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 18.25% in Banks, 14.17% in IT-Software, 7.63% in Pharmaceuticals & Biotech, 6.11% in Automobiles, 5.00% in Power

FAQs

How to Invest in UTI-Dividend Yield Fund (IDCW) Direct Growth?

UTI-Dividend Yield Fund (IDCW) is a popular fund in the Dividend Yield Fund segment. The fund has generated a return of 14.99% since inception. Looking to invest in UTI-Dividend Yield Fund (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Dividend Yield Fund (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Dividend Yield Fund (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Dividend Yield Fund (IDCW) today and reap the benefits of this Dividend Yield Fund fund!

How much returns has UTI-Dividend Yield Fund (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, UTI-Dividend Yield Fund (IDCW) has generated annualised return of 10.51%. In the long-term, the fund has generated 16.31% and 19.34% in 3 and 5 years respectively. Since its inception, the fund has generated 14.99% returns.

What is the expense ratio of UTI-Dividend Yield Fund (IDCW) Direct Growth?

The expense ratio of UTI-Dividend Yield Fund (IDCW) Direct Growth is 1.99%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Dividend Yield Fund (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Dividend Yield Fund (IDCW) is ₹3,959.48 (Cr) as of 2025-02-20 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Dividend Yield Fund (IDCW) Direct Growth?

Redeeming or selling units of UTI-Dividend Yield Fund (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Dividend Yield Fund (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Dividend Yield Fund (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).