UTI - Dividend Yield Fund vs WhiteOak Capital Dividend Yield Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI - Dividend Yield Fund and WhiteOak Capital Dividend Yield Fund are both Dividend Yield funds. UTI - Dividend Yield Fund charges 1.54% a year and WhiteOak Capital Dividend Yield Fund 2.53% (Direct plans). Their portfolios overlap 19.2%: they hold 22 of the same securities.
WhiteOak Capital Dividend Yield Fund
Dividend Yield
- Expense ratio
- 2.53%
- NAV
- ₹9.84
Which is better, UTI - Dividend Yield or WhiteOak Capital 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 costs less: 1.54% a year against 2.53% (Direct plans).
- WhiteOak Capital Dividend Yield fell less in its worst fall since 31-08-2026: −3.5% against −7.0%.
- UTI - Dividend Yield holds more in large companies: 62.1% of the fund in large caps against 19.2%.
- UTI - Dividend Yield is the larger fund: ₹3,582 Cr against ₹421 Cr.
- Their portfolios overlap 19.2%: 22 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 | UTI - Dividend Yield Fund | WhiteOak Capital Dividend Yield Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | WhiteOak Capital Mutual Fund |
| Category | Dividend Yield | Dividend Yield |
| AUM | ₹3,582 Cr (30-09-2026) | ₹421 Cr (30-09-2026) |
| NAV | ₹182.77 (Direct) | ₹9.84 (Direct) |
| Expense ratio (Direct) | 1.54% | 2.53% |
| Expense ratio (Regular) | 1.99% | 3.82% |
| Riskometer | Very High | Moderate |
| Benchmark | Nifty 500 TRI | BSE 500 TRI |
| Launch date | 01-06-2005 | 28-08-2026 |
| Minimum investment | 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, | ₹100 |
| Lock in | None | None |
| Fund managers | Amit Premchandani FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4, Not Applicable FM 5 | Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal |
| Exit load | 1% if redeemed before 1 year from the date of allotment. Nil if redeemed on or after 1 year from the date of allotment | Nil |
UTI - Dividend Yield vs WhiteOak Capital 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 |
|---|---|---|---|---|---|---|---|
| UTI - Dividend Yield Fund (Direct) | +0.07% | −5.33% | −3.41% | −6.51% | +12.82% | +10.06% | +13.18% |
| WhiteOak Capital Dividend Yield Fund (Direct) | −2.09% | -- | -- | -- | -- | -- | -- |
| Dividend Yield average | −1.57% | -- | -- | -- | -- | -- | -- |
Category average: the average of the 12 Dividend Yield funds, same plan type.
UTI - Dividend Yield vs WhiteOak Capital Dividend Yield: Year-wise Returns
| Year | UTI -UTI - Dividend Yield | WhiteOak CapitalWhiteOak Capital Dividend Yield |
|---|---|---|
| 2026to date | −7.46% | -- |
| 2025 | +5.95% | -- |
| 2024 | +25.42% | -- |
| 2023 | +36.27% | -- |
| 2022 | −4.74% | -- |
| 2021 | +39.66% | -- |
UTI - Dividend Yield vs WhiteOak Capital Dividend Yield: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI - Dividend Yield Fund
UTI - Dividend Yield vs WhiteOak Capital Dividend Yield: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI - Dividend Yield Fund (Direct) | WhiteOak Capital Dividend Yield Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.69% | −9.13% |
| Standard deviation | 14.29% | 4.99% |
| Sharpe ratio | 0.46 | -2.89 |
| Sortino ratio | 0.63 | -3.42 |
| Maximum drawdown | −32.7% (23-03-2020) | −3.5% (29-10-2026) |
| Beta | 0.85 | 0.14 |
| Alpha | +0.89% | −9.17% |
From daily NAVs, 02-01-2013 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.
UTI - Dividend Yield Fund (Direct)
WhiteOak Capital 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 |
|---|---|---|---|---|---|---|
| UTI - Dividend Yield Fund (Direct) | −7.0% | 31-08-2026 | 08-10-2026 | Not yet | -- | −4.8% |
| WhiteOak Capital Dividend Yield Fund (Direct) | −3.5% | 25-09-2026 | 29-10-2026 | Not yet | -- | −2.8% |
| Nifty 500 TRI | −8.6% | 31-08-2026 | 23-10-2026 | Not yet | -- | −6.6% |
From daily values since 31-08-2026, the first day every fund has.
UTI - Dividend Yield vs WhiteOak Capital Dividend Yield: Portfolio Overlap
From each fund's latest monthly portfolio: UTI - Dividend Yield Fund, September 2026; WhiteOak Capital Dividend Yield Fund, September 2026
Holdings in common
- Overlap
- 19.2%
- Held by both
- 22
- Only in UTI - Dividend Yield
- 41
- Only in WhiteOak Capital Dividend Yield
- 26
| Security | % of UTI - Dividend Yield | % of WhiteOak Capital Dividend Yield |
|---|---|---|
| EQ - ICICI BANK LTD | 5.72% | 3.15% |
| EQ - HDFC BANK LIMITED | 8.11% | 2.91% |
| REIT- KNOWLEDGE REALTY TRUST REIT | 2.03% | 9.52% |
| EQ - INFOSYS LTD. | 2.36% | 1.60% |
| EQ - BHARTI AIRTEL LTD. | 2.94% | 1.54% |
| EQ - TECH MAHINDRA LTD. | 3.08% | 1.33% |
| REIT - BAGMANE PRIME OFFICE | 0.91% | 9.72% |
| EQ - STATE BANK OF INDIA | 3.28% | 0.79% |
| REIT- EMBASSY OFFICE PARKS | 0.73% | 9.46% |
| REIT- MINDSPACE BUSINESS PARKS | 0.70% | 9.62% |
| EQ - MARUTI SUZUKI INDIA LTD. | 2.07% | 0.68% |
| EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED | 0.69% | 0.58% |
| REIT- BROOKFIELD INDIA REAL ESTATE TRUST | 0.54% | 9.11% |
| EQ - TATA CONSULTANCY SERVICES LTD. | 1.72% | 0.39% |
| EQ - VEDANTA ALUMINIUM METAL LTD. | 0.81% | 0.27% |
| EQ - COAL INDIA LTD. | 2.02% | 0.26% |
| EQ - OIL INDIA LTD. | 0.81% | 0.18% |
| EQ - OIL & NATURAL GAS CORPORATION | 1.58% | 0.16% |
| EQ - AXIS BANK LTD. | 2.48% | 0.15% |
| EQ - POWER GRID CORPORATION OF INDI | 2.33% | 0.15% |
| EQ - COMPUTER AGE MANAGEMENT SERV | 1.64% | 0.11% |
| EQ - NTPC LTD. | 1.96% | 0.03% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 19.2% means 19.2% 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 UTI - Dividend Yield Fund
| Security | % of fund |
|---|---|
| EQ - KOTAK MAHINDRA BANK LTD. | 3.03% |
| EQ - MAHINDRA & MAHINDRA LTD. | 2.84% |
| EQ - TORRENT PHARMACEUTICALS LTD. | 2.01% |
| EQ - ITC LTD. | 1.83% |
| EQ - AJANTA PHARMA LTD. | 1.81% |
Largest holdings only in WhiteOak Capital Dividend Yield Fund
| Security | % of fund |
|---|---|
| Nexus Select Trust - REIT | 9.68% |
| Cube Highways Trust-InvIT Fund | 4.81% |
| 91 Days Tbill (MD 27/11/2026) | 3.89% |
| National Highways Infra Trust | 2.84% |
| Reliance Industries Limited | 1.83% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI - Dividend Yield | WhiteOak Capital Dividend Yield |
|---|---|---|
| Equity | 91.6% | 23.9% |
| Debt | 0.6% | 6.3% |
| Cash and others | 7.8% | 69.8% |
Market cap of stocks
| Market cap | UTI - Dividend Yield | WhiteOak Capital Dividend Yield |
|---|---|---|
| Large Cap | 62.1% | 19.2% |
| Mid Cap | 11.9% | 1.6% |
| Small Cap | 15.8% | 1.5% |
| Not on AMFI's list | 1.7% | 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 | UTI - Dividend Yield | WhiteOak Capital Dividend Yield |
|---|---|---|
| Banks | 22.6% | 7.1% |
| IT - Software | 10.2% | 5.5% |
| Automobiles | 8.0% | 1.7% |
| Pharmaceuticals & Biotechnology | 7.5% | 0.1% |
| Consumer Durables | 4.5% | 0.0% |
| Power | 4.3% | 0.2% |
| Capital Markets | 3.0% | 1.2% |
| Telecom - Services | 2.9% | 1.5% |
| Petroleum Products | 0.9% | 2.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI - Dividend Yield vs WhiteOak Capital Dividend Yield: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI - Dividend Yield Fund | WhiteOak Capital Dividend Yield Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.54% | 2.53% |
| Base expense ratio (Direct) | 1.23% | 0.41% |
| Total expense ratio (Regular) | 1.99% | 3.82% |
| Base expense ratio (Regular) | 1.64% | 1.50% |
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 UTI - Dividend Yield with
UTI - Dividend Yield Fund vs WhiteOak Capital Dividend Yield Fund: Frequently Asked Questions
What is the difference between UTI - Dividend Yield Fund and WhiteOak Capital Dividend Yield Fund?
Both are Dividend Yield funds, run by UTI Mutual Fund and WhiteOak Capital Mutual Fund. Their portfolios overlap 19.2%. UTI - Dividend Yield Fund charges 1.54% a year and WhiteOak Capital Dividend Yield Fund 2.53%.
Which has the lower expense ratio, UTI - Dividend Yield Fund or WhiteOak Capital Dividend Yield Fund?
UTI - Dividend Yield Fund charges less: 1.54% a year against 2.53%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI - Dividend Yield Fund and WhiteOak Capital Dividend Yield Fund overlap?
19.2%. They hold 22 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, KRT. From each fund's latest monthly portfolio.
Which is riskier, UTI - Dividend Yield Fund or WhiteOak Capital Dividend Yield Fund?
On SEBI's riskometer, UTI - Dividend Yield Fund is rated Very High and WhiteOak Capital Dividend Yield Fund Moderate. Over their common history, the standard deviation of daily returns was 14.29% and 4.99% a year.
Can I invest in both UTI - Dividend Yield Fund and WhiteOak Capital Dividend Yield Fund?
Yes. 19.2% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages UTI - Dividend Yield Fund and WhiteOak Capital Dividend Yield Fund?
UTI - Dividend Yield Fund: Amit Premchandani FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4, Not Applicable FM 5. WhiteOak Capital Dividend Yield Fund: Ramesh Mantri, Piyush Baranwal, Trupti Agrawal, Dheeresh Pathak, Ashish Agrawal.
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.