Investment Objective and Approach

The scheme seeks to generate long term capital appreciation and income by investing predominantly in dividend yielding equity and equity related securities. The investment objective of the scheme is to provide medium to long term capital gains and/ or dividend distribution by investing predominantly in equity and equity related instruments which offer high dividend yield.

The fund follows a focused investment strategy that targets companies with strong dividend paying capacity and sustainable business models. The scheme aims to provide medium to long term capital gains and/or dividend distribution by investing predominantly in equity and equity related instruments which offer high dividend yield. This approach helps investors benefit from both dividend income and potential capital appreciation over the long term.

Key investment parameters include:

- Focus on dividend-yielding equity securities

- Medium to long-term investment horizon

- Balanced approach combining income and growth potential

- Risk management through diversified portfolio construction

Fund Managers

Swati Kulkarni is the Current Fund Manager of UTI Dividend Yield Fund Direct Growth fund. Swati Kulkarni is a Chartered Financial Analyst (CFA). Swati Kulkarni, EVP & Fund Manager - Equity at UTI Mutual Fund says economic recovery may be patchy going forward, the good businesses will recover to generate economic value for long-term investors.

Swati Kulkarni brings extensive expertise in equity fund management with a strong focus on value investing and dividend-yielding stocks. Her investment philosophy emphasizes identifying quality businesses that can generate sustainable returns for long-term investors, particularly during market uncertainties.

About the Fund House (AMC)

UTI Mutual Fund is one of India's most established and respected asset management companies with a rich legacy spanning several decades. The UTI Mutual Fund is precedes most renowned Mutual Funds in India. Its investors number nearly 11 million and there are over 250 plans currently operational with a total AuM of nearly Rs 238790 Crores.

UTI Mutual Fund was launched after carving out the former Unit Trust of India by repealing the Unit Trust of India Act 1963. UTI was subsequently bifurcated into UTI Mutual Fund and SUUTI. It was registered with SEBI or the Securities and Exchange Board of India on 01 February 2003. UTI has four sponsors namely the State Bank of India (SBI), Life Insurance Corporation of India (LIC), Punjab National Bank and the Bank of Baroda.

The fund house's key strengths include:

- UTI Mutual Fund is the eighth largest mutual fund house by asset size in India.

- There is no other provider of Mutual Funds in India with a larger outreach of services. Even the best UTI Mutual Funds reach out to most of rural and semi-urban regions of India.

- There are over 50,000 AMFI and NSFM certified Independent Advisors on Finance who are spread all over the country who work on behalf of UTI Mutual Funds. There are over 200 full-time Financial Service Centres too.

Should I Invest in UTI Dividend Yield Fund?

UTI Dividend Yield Fund can be suitable for investors seeking a balanced approach to equity investing with focus on dividend income and long-term capital appreciation. The fund is particularly attractive for:

Ideal for investors who:

- Seek regular income through dividend-paying stocks

- Have a long-term investment horizon (3+ years)

- Want exposure to quality companies with strong cash flows

- Prefer a conservative approach to equity investing

- Are comfortable with equity market volatility

Key considerations:

- The UTI Dividend Yield Fund Direct Growth is rated Very High risk.

- It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.6% since its launch.

- Over the past five years, UTI Dividend Yield Fund - Regular Plan has delivered an annualised return of 23.77% as of 11-Jul-2025.

Investment minimums:

- The minimum investment required to start investing in UTI Dividend Yield Fund - Regular Plan is ₹5,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.

Tax implications:

- If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1.25 lakh in a financial year are exempt from tax. Gains over Rs 1.25 lakh are taxed at the rate of 12.5%.

- If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 20%.

FAQs

What is today's NAV of UTI Dividend Yield Fund?

The Latest NAV as of 25 Aug 2025 is ₹190.70. NAV is updated daily after market hours and reflects the per-unit value of the fund.

What is the AUM of UTI Dividend Yield Fund?

The fund currently has an Asset Under Management(AUM) of ₹3,73,665 Cr and the Latest NAV as of 25 Aug 2025 is ₹190.70. This indicates strong investor confidence in the fund's strategy.

What is the expense ratio of UTI Dividend Yield Fund?

The expense ratio varies between direct and regular plans, with direct plans typically offering lower expense ratios. Check the latest factsheet for current expense ratio details as this changes periodically.

What are the returns of UTI Dividend Yield Fund since inception?

It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.6% since its launch. UTI Dividend Yield Fund Direct-Growth scheme return performance in last 1 year is -3.28%, in last 3 years is 75.99% and 443.93% since scheme launch.

What is the minimum SIP amount to invest in UTI Dividend Yield Fund?

Minimum SIP Investment is set to ₹500. This makes the fund accessible to retail investors starting their investment journey.

How do I invest in UTI Dividend Yield Fund?

You can invest through Allvest platform online, directly through UTI Mutual Fund website, or through authorized distributors. Allvest offers a seamless digital investment experience with easy portfolio tracking.

How to start a SIP in UTI Dividend Yield Fund?

Log into your Allvest account, select UTI Dividend Yield Fund, choose SIP option, set your monthly amount (minimum ₹500), select date and duration. Complete KYC if required and set up auto-debit.

How do I automate an SIP in UTI Dividend Yield Fund?

Through Allvest, enable auto-debit mandate during SIP setup. Your bank account will be automatically debited on your chosen date each month, ensuring consistent investments without manual intervention.

How can I withdraw/redeem my investment in UTI Dividend Yield Fund?

You can redeem through Allvest platform by placing a redemption request online. Exit load of 1% if redeemed less than 1 year applies for early withdrawals. Proceeds are typically credited within 3-4 working days.