Sundaram Dividend Yield Fund vs UTI - Dividend Yield Fund
Direct Plan, Growth option · Data as on 30-10-2026
Sundaram Dividend Yield Fund and UTI - Dividend Yield Fund are both Dividend Yield funds. In the 3 years to 30-10-2026, Sundaram Dividend Yield Fund (Direct) returned 9.3% a year and UTI - Dividend Yield Fund (Direct) returned 12.8% a year. Sundaram Dividend Yield Fund charges 1.27% a year and UTI - Dividend Yield Fund 1.54% (Direct plans). Their portfolios overlap 45.0%: they hold 25 of the same securities.
Sundaram Dividend Yield Fund
Dividend Yield
- 3 year return
- 9.3%
- Expense ratio
- 1.27%
- NAV
- ₹138.43
UTI - Dividend Yield Fund
Dividend Yield
- 3 year return
- 12.8%
- Expense ratio
- 1.54%
- NAV
- ₹182.77
Which is better, Sundaram Dividend Yield or UTI - Dividend Yield? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI - Dividend Yield returned more over 3 years: 12.8% a year against 9.3%.
- UTI - Dividend Yield returned more over 1 year: −6.5% against −9.2%.
- Sundaram Dividend Yield costs less: 1.27% a year against 1.54% (Direct plans).
- UTI - Dividend Yield swung less over 3 years: a standard deviation of 12.5% a year against 13.1%.
- UTI - Dividend Yield fell less in its worst fall since 03-01-2022: −18.6% against −18.9%.
- UTI - Dividend Yield is the larger fund: ₹3,582 Cr against ₹757 Cr.
- Their portfolios overlap 45.0%: 25 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Sundaram Dividend Yield Fund | UTI - Dividend Yield Fund |
|---|---|---|
| Fund house | Sundaram Mutual Fund | UTI Mutual Fund |
| Category | Dividend Yield | Dividend Yield |
| AUM | ₹757 Cr (30-09-2026) | ₹3,582 Cr (30-09-2026) |
| NAV | ₹138.43 (Direct) | ₹182.77 (Direct) |
| Expense ratio (Direct) | 1.27% | 1.54% |
| Expense ratio (Regular) | 2.43% | 1.99% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty 500 TRI |
| Launch date | Not available | 01-06-2005 |
| Minimum investment | Not available | Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, |
| Lock in | Not available | None |
| Fund managers | Not available | Amit Premchandani FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4, Not Applicable FM 5 |
| Exit load | Not available | 1% if redeemed before 1 year from the date of allotment. Nil if redeemed on or after 1 year from the date of allotment |
Sundaram Dividend Yield vs UTI - Dividend Yield: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Sundaram Dividend Yield Fund (Direct) | −0.24% | −5.19% | −5.64% | −9.22% | +9.25% | -- | -- |
| UTI - Dividend Yield Fund (Direct) | +0.07% | −5.33% | −3.41% | −6.51% | +12.82% | +10.06% | +13.18% |
| Dividend Yield average | −1.57% | −5.69% | −3.24% | −5.57% | +12.14% | +12.06% | -- |
Category average: the average of the 12 Dividend Yield funds, same plan type.
Sundaram Dividend Yield vs UTI - Dividend Yield: Year-wise Returns
| Year | SundaramSundaram Dividend Yield | UTI -UTI - Dividend Yield | Nifty 500 TRI |
|---|---|---|---|
| 2026to date | −9.84% | −7.46% | −7.51% |
| 2025 | +4.57% | +5.95% | +7.76% |
| 2024 | +17.22% | +25.42% | +16.24% |
| 2023 | +35.70% | +36.27% | +26.91% |
| 2022 | -- | −4.74% | +4.25% |
| 2021 | -- | +39.66% | +31.60% |
Sundaram Dividend Yield vs UTI - Dividend Yield: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 449 of them, one for each trading day from 03-01-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Sundaram Dividend Yield Fund (Direct)
UTI - Dividend Yield Fund (Direct)
Nifty 500 TRI
to
Feb 2025Jun 2022
to
Jun 2025Oct 2022
to
Oct 2025Jan 2023
to
Jan 2026May 2023
to
May 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sundaram Dividend Yield | 0.0 | 0.0 | 7.6 | 21.4 | 62.1 | 8.9 | 0.0 | 16.0% | 16.8% | 7.8% | 22.3% | 77% |
| UTI - Dividend Yield | 0.0 | 0.0 | 0.0 | 12.5 | 44.1 | 43.0 | 0.4 | 18.7% | 19.4% | 10.8% | 25.3% | 100% |
| Nifty 500 TRI | 0.0 | 0.0 | 4.2 | 39.9 | 49.4 | 6.5 | 0.0 | 15.2% | 15.4% | 8.8% | 22.3% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 03-01-2022. Past returns do not promise future returns.
Sundaram Dividend Yield vs UTI - Dividend Yield: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 03-01-2022 to 30-10-2026: 58 instalments, ₹5,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Sundaram Dividend YieldSundaram Dividend Yield Fund (Direct) | ₹5,80,000 | ₹6,80,395 | ₹1,00,395 | 6.6% |
| UTI - Dividend YieldUTI - Dividend Yield Fund (Direct) | ₹5,80,000 | ₹7,27,069 | ₹1,47,069 | 9.3% |
Sundaram Dividend YieldSundaram Dividend Yield Fund (Direct)
UTI - Dividend YieldUTI - Dividend Yield Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Sundaram Dividend Yield vs UTI - Dividend Yield: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Sundaram Dividend Yield Fund (Direct) | UTI - Dividend Yield Fund (Direct) |
|---|---|---|
| Return (CAGR) | −9.22% | −6.51% |
| Standard deviation | 11.15% | 11.35% |
| Sharpe ratio | -1.30 | -1.04 |
| Sortino ratio | -1.66 | -1.35 |
| Maximum drawdown | −12.8% (08-10-2026) | −12.0% (31-03-2026) |
| Beta | 0.74 | 0.76 |
| Alpha | −5.14% | −2.21% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Sundaram Dividend Yield Fund (Direct) | UTI - Dividend Yield Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.25% | +12.82% |
| Standard deviation | 13.13% | 12.51% |
| Sharpe ratio | 0.25 | 0.54 |
| Sortino ratio | 0.33 | 0.75 |
| Maximum drawdown | −18.9% (28-02-2025) | −18.2% (28-02-2025) |
| Beta | 0.89 | 0.85 |
| Alpha | −0.49% | +3.24% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Sundaram Dividend Yield Fund (Direct) | UTI - Dividend Yield Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.98% | +12.69% |
| Standard deviation | 12.88% | 14.29% |
| Sharpe ratio | 0.24 | 0.46 |
| Sortino ratio | 0.32 | 0.63 |
| Maximum drawdown | −18.9% (28-02-2025) | −32.7% (23-03-2020) |
| Beta | 0.87 | 0.85 |
| Alpha | +0.41% | +0.89% |
From daily NAVs, 03-01-2022 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Sundaram Dividend Yield Fund (Direct)
UTI - Dividend Yield Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Sundaram Dividend Yield Fund (Direct) | −18.9% | 27-09-2024 | 28-02-2025 | Not yet | -- | −13.3% |
| UTI - Dividend Yield Fund (Direct) | −18.6% | 17-01-2022 | 20-06-2022 | 16-06-2023 | 12 months | −10.3% |
| Nifty 500 TRI | −18.6% | 26-09-2024 | 28-02-2025 | Not yet | -- | −8.8% |
From daily values since 03-01-2022, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Sundaram Dividend Yield Fund (Direct)
UTI - Dividend Yield Fund (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Sundaram Dividend Yield Fund (Direct)
UTI - Dividend Yield Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Sundaram Dividend Yield Fund (Direct) | 88% | 82% | 4.31% |
| UTI - Dividend Yield Fund (Direct) | 96% | 84% | 4.91% |
From month-end values since 03-01-2022. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Sundaram Dividend Yield vs UTI - Dividend Yield: Portfolio Overlap
From each fund's latest monthly portfolio: Sundaram Dividend Yield Fund, September 2026; UTI - Dividend Yield Fund, September 2026
Holdings in common
- Overlap
- 45.0%
- Held by both
- 25
- Only in Sundaram Dividend Yield
- 28
- Only in UTI - Dividend Yield
- 38
| Security | % of Sundaram Dividend Yield | % of UTI - Dividend Yield |
|---|---|---|
| HDFC Bank Ltd | 4.87% | 8.11% |
| ICICI Bank Ltd | 4.62% | 5.72% |
| State Bank of India | 3.76% | 3.28% |
| Tech Mahindra Ltd | 2.82% | 3.08% |
| Infosys Ltd | 2.80% | 2.36% |
| Power Grid Corporation of India Ltd | 3.01% | 2.33% |
| Bharti Airtel Ltd | 2.20% | 2.94% |
| Coal India Ltd | 3.37% | 2.02% |
| NTPC LTD | 4.05% | 1.96% |
| ITC Ltd | 2.43% | 1.83% |
| Tata Steel Ltd | 1.95% | 1.65% |
| Oil & Natural Gas Corporation Ltd | 2.98% | 1.58% |
| Bharat Electronics Ltd | 1.79% | 1.57% |
| Mahindra & Mahindra Ltd | 1.44% | 2.84% |
| Aster DM Healthcare Ltd | 1.38% | 1.51% |
| Axis Bank Ltd | 1.38% | 2.48% |
| Kotak Mahindra Bank Ltd | 1.24% | 3.03% |
| Hindustan Aeronautics Ltd | 1.23% | 1.11% |
| Tata Consultancy Services Ltd | 0.95% | 1.72% |
| Emami Ltd | 1.00% | 0.84% |
| Oil India Ltd | 1.30% | 0.81% |
| LIC of India Ltd | 1.15% | 0.77% |
| Embassy Office Parks REIT | 4.13% | 0.73% |
| Hero MotoCorp Ltd | 0.69% | 1.61% |
| Brookfield India Real Estate Trust REIT | 1.17% | 0.54% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 45.0% means 45.0% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Sundaram Dividend Yield Fund
| Security | % of fund |
|---|---|
| Somany Ceramics Ltd | 2.85% |
| GAIL (India) Ltd | 2.65% |
| Larsen & Toubro Ltd | 2.33% |
| Bajaj Auto Ltd | 2.10% |
| Vardhman Textiles Ltd | 2.05% |
Largest holdings only in UTI - Dividend Yield Fund
| Security | % of fund |
|---|---|
| EQ - MARUTI SUZUKI INDIA LTD. | 2.07% |
| REIT- KNOWLEDGE REALTY TRUST REIT | 2.03% |
| EQ - TORRENT PHARMACEUTICALS LTD. | 2.01% |
| EQ - AJANTA PHARMA LTD. | 1.81% |
| EQ - CIPLA LTD. | 1.73% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Sundaram Dividend Yield | UTI - Dividend Yield |
|---|---|---|
| Equity | 91.5% | 91.6% |
| Debt | 0.0% | 0.6% |
| Cash and others | 8.5% | 7.8% |
Market cap of stocks
| Market cap | Sundaram Dividend Yield | UTI - Dividend Yield |
|---|---|---|
| Large Cap | 70.4% | 62.1% |
| Mid Cap | 10.9% | 11.9% |
| Small Cap | 10.2% | 15.8% |
| Not on AMFI's list | 0.0% | 1.7% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Sundaram Dividend Yield | UTI - Dividend Yield |
|---|---|---|
| Banks | 17.0% | 22.6% |
| IT - Software | 0.0% | 10.2% |
| It - Software | 9.6% | 0.0% |
| Power | 9.6% | 4.3% |
| Automobiles | 4.2% | 8.0% |
| Pharmaceuticals & Biotechnology | 1.7% | 7.5% |
| Petroleum Products | 6.3% | 0.9% |
| Consumer Durables | 3.6% | 4.5% |
| Oil | 4.3% | 2.4% |
The six largest sectors of each fund's stocks, % of the fund.
Sundaram Dividend Yield vs UTI - Dividend Yield: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Sundaram Dividend Yield Fund | UTI - Dividend Yield Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.27% | 1.54% |
| Base expense ratio (Direct) | 1.01% | 1.23% |
| Total expense ratio (Regular) | 2.43% | 1.99% |
| Base expense ratio (Regular) | 2.03% | 1.64% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Sundaram Dividend Yield with
Sundaram Dividend Yield Fund vs UTI - Dividend Yield Fund: Frequently Asked Questions
What is the difference between Sundaram Dividend Yield Fund and UTI - Dividend Yield Fund?
Both are Dividend Yield funds, run by Sundaram Mutual Fund and UTI Mutual Fund. Their portfolios overlap 45.0%. Sundaram Dividend Yield Fund charges 1.27% a year and UTI - Dividend Yield Fund 1.54%.
Which has given higher returns, Sundaram Dividend Yield Fund or UTI - Dividend Yield Fund?
Over 1 year: Sundaram Dividend Yield Fund −9.22%, UTI - Dividend Yield Fund −6.51%. Over 3 years: Sundaram Dividend Yield Fund +9.25% a year, UTI - Dividend Yield Fund +12.82% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Sundaram Dividend Yield Fund or UTI - Dividend Yield Fund?
Sundaram Dividend Yield Fund charges less: 1.27% a year against 1.54%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Sundaram Dividend Yield Fund and UTI - Dividend Yield Fund overlap?
45.0%. They hold 25 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, SBIN. From each fund's latest monthly portfolio.
Which is better for SIP, Sundaram Dividend Yield Fund or UTI - Dividend Yield Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,64,698 in Sundaram Dividend Yield Fund (XIRR -0.9% a year) and ₹3,82,659 in UTI - Dividend Yield Fund (XIRR 2.1% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Sundaram Dividend Yield Fund and UTI - Dividend Yield Fund?
Yes. 45.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.