Two funds walk into a table. Only the numbers talk.
UTI - Dividend Yield Fund vs LIC MF Dividend Yield Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- AUTI - Dividend Yield Fund
UTI Mutual Fund- Dividend Yield Fund
- Direct plan
- Very High Risk
NAV ₹194.13 on 13 Nov 2026
- BLIC MF Dividend Yield Fund
LIC Mutual Fund- Dividend Yield Fund
- Direct plan
- Very High Risk
NAV ₹36.41 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 3 years all of them have been around.
Grew faster
BLIC MF Dividend Yield Fund
LIC MF Dividend Yield Fund returned 19.4% a year over 3 years, against 14% for UTI - Dividend Yield Fund. ₹1 lakh invested 3 years ago would be about ₹1.7 Lakh today, against ₹1.48 Lakh.
Smoother ride
AUTI - Dividend Yield Fund
UTI - Dividend Yield Fund swung the least: about 12.7% a year either way, against 16.1% for LIC MF Dividend Yield Fund. Lower means fewer scary days.
Fell less in a crash
No fair winner yet
At its worst, LIC MF Dividend Yield Fund fell 20.4% from its peak, against 32.7% for UTI - Dividend Yield Fund. On ₹1 lakh, that's a dip to ₹67,311 at the bottom for UTI - Dividend Yield Fund. Could you have held on?
Not a fair fight: we only have data for LIC MF Dividend Yield Fund (from Jul 2023), so it has not been through the 2020 crash the others fell in.
More consistent
No fair winner yet
Pick any day in the past and hold for a year: LIC MF Dividend Yield Fund ended up in profit 86% of the time, against 79% for UTI - Dividend Yield Fund.
Not a fair fight: we only have data for LIC MF Dividend Yield Fund (from Jul 2023), so it has not been through the 2020 crash the others fell in.
Costs less
BLIC MF Dividend Yield Fund
LIC MF Dividend Yield Fund charges 0.96% a year, against 1.54% for UTI - Dividend Yield Fund. On ₹1 lakh that's ₹960 a year against ₹1,540, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AUTI - Dividend Yield Fund₹14,466 from ₹10,000(13.1% a year)
- BLIC MF Dividend Yield Fund₹16,651 from ₹10,000(18.6% a year)
A one-time ₹10,000 put in 3 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AUTI - Dividend Yield Fund
- Strength: Beat a 5-year SBI FD: 10.6% a year over 5 years, against 6.05%
- Watch out: Behind its category: 10.6% a year over 5 years, against a category average of 12.7%
- Watch out: Fell harder than its category in the worst crash
- Watch out: High cost: 1.54% a year
BLIC MF Dividend Yield Fund
- Strength: Ahead of its category: 19.4% a year over 3 years, against a category average of 13.3%
- Strength: In the top quarter of its category over 3 years (#1 of 9)
- Strength: Beat a 5-year SBI FD: 19.4% a year over 3 years, against 6.05%
- Watch out: Swings more than most funds in its category
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | AUTI - Dividend Yield Fund | BLIC MF Dividend Yield Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | -0.8%#7 of 10 · avg 1% | 6.7%Best#2 of 10 · avg 1% |
| 3 yearsPer year, over a full market mood swing | 14%#4 of 9 · avg 13.3% | 19.4%Best#1 of 9 · avg 13.3% |
| 5 yearsPer year, the fairest single test | 10.6%#6 of 6 · avg 12.7% | – |
| 10 yearsPer year, across bull and bear markets | 14.3%#3 of 4 · avg 14.5% | – |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 12.7%Bestcategory avg 13.9% | 16.1%category avg 13.9% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −32.7%category avg −24.1% | −20.4%data from 31 Jul 2023 only |
| Best 12 monthsIts strongest year | 85.2% | 65.4%data from 31 Jul 2023 only |
| Worst 12 monthsIts weakest year | -29.5% | -6.3%data from 31 Jul 2023 only |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 79% | 86%data from 31 Jul 2023 only |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 1.54% | 0.96%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹3,582 Cr | ₹738 Cr |
| Minimum SIPSmallest monthly amount | ₹500 | ₹200Best |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AUTI - Dividend Yield Fund
Might suit you if…
- a smoother ride matters more to you than the top return
BLIC MF Dividend Yield Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- you care about keeping costs low, which adds up over decades