UTI - Credit Risk Fund.
UTI Mutual Fund · Credit Risk · Regular plan, growth option
NAV (₹), 2 Oct 2026
18.3226
1-day change
-0.04%
1Y return
5.6%
3Y CAGR
7.0%
5Y CAGR
6.3%
Max drawdown, 5Y
−0.8%
NAV history month-end NAV, ₹ · 26 Nov 2012 to 1 Oct 2026
Returns vs Credit Risk median (14 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.1% | 0.1% |
| 3 months | 1.0% | 1.1% |
| 6 months | 3.2% | 4.1% |
| Year to date | 4.0% | 5.0% |
| 1 year | 5.6% | 6.8% |
| 3 years (CAGR) | 7.0% | 8.1% |
| 5 years (CAGR) | 6.3% | 7.1% |
| 7 years (CAGR) | 2.4% | 7.1% |
| 10 years (CAGR) | 2.5% | 6.5% |
| Since first NAV (CAGR) | 4.5% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.1% | 7.6% |
| 3Y rolling median | 7.2% | 7.3% |
| 3Y rolling worst | -10.7% | 3.9% |
| 3Y periods positive | 72% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | -0.7% | 6.8% |
| 5Y rolling worst | -3.8% | 5.0% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.1% | 1.3% |
| Sharpe ratio | 0.32 | 0.84 |
| Sortino ratio | 0.51 | 2.18 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −35.1% | −4.0% |
| Maximum drawdown, last 10Y | −35.1% | −5.1% |
| Maximum drawdown, last 5Y | −0.8% | −1.1% |
| Current drawdown | −0.2% | −0.2% |
| Recovery time of worst fall | 1694 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.43% | 1.46% |
| AUM, whole scheme (₹ crore) | 241 | 608 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 5.8% | 6.8% TRI |
| Return, 3 years (AMFI) | 7.0% | 7.8% TRI |
| Return, 5 years (AMFI) | 6.3% | 7.2% TRI |
| Month-ends above category median (3Y CAGR) | 19% | 46% median |
| Month-ends in category top quartile (3Y) | 13% | 29% median |
| 7Y rolling CAGR, median (monthly windows) | 1.0% | 6.4% median |
Official benchmark: CRISIL Credit Risk Debt B-II Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Credit Risk Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.0% | n/a | – |
| 2025 | 7.4% | n/a | – |
| 2024 | 7.9% | n/a | – |
| 2023 | 6.6% | n/a | – |
| 2022 | 3.9% | n/a | – |
| 2021 | 21.5% | n/a | – |
| 2020 | -27.8% | n/a | – |
| 2019 | -4.8% | n/a | – |
| 2018 | 5.5% | n/a | – |
| 2017 | 6.9% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,526 | 5.5% |
| 3 years | ₹3,60,000 | ₹3,97,683 | 6.6% |
| 5 years | ₹6,00,000 | ₹7,09,296 | 6.6% |
| 10 years | ₹12,00,000 | ₹14,93,699 | 4.3% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Credit Risk
Plan / option: Regular · Growth
AMFI scheme code: 117981
ISIN: INF789F01QZ1
First NAV in MFIC data: 26 Nov 2012
History: 13.8 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Sundaram Short Term Fund (Formerly Known as Sundaram Short Duration Fund) | Short Duration | 0.96 | 6.8% |
| Nippon India CRISIL - IBX AAA Financial Services - Jan 2028 Index Fund | Debt Index Fund | 0.95 | n/a |
| UTI Short Term Fund | Short Duration | 0.94 | 6.8% |
| Nippon India Short Term Fund | Short Duration | 0.94 | 7.0% |
| Kotak Short Term Fund | Short Duration | 0.94 | 6.6% |
Questions about UTI - Credit Risk Fund.
- What is the latest NAV of UTI - Credit Risk Fund.?
- The NAV of the Regular plan (growth option) was ₹18.3226 on 2 Oct 2026, as published by AMFI.
- Which category is UTI - Credit Risk Fund. in?
- It is classified as Credit Risk in AMFI's daily NAV file. MFIC compares it with 14 Credit Risk schemes (Regular plans).
- What returns has UTI - Credit Risk Fund. delivered?
- Over one year the NAV changed by 5.6%. The 3-year CAGR is 7.0% (category median 8.1%) and the 5-year CAGR is 6.3% (category median 7.1%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.2%, the lowest was -10.7%, and 72% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Credit Risk Fund.'s NAV?
- The largest peak-to-trough fall in its available history was 35.1%; within the last five years it was 0.8% (category median 1.1%).
- How volatile is UTI - Credit Risk Fund.?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.1%, which is below the Credit Risk category median of 1.3%.
- What would a monthly SIP in UTI - Credit Risk Fund. have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,09,296 on 2 Oct 2026, an annualised return (XIRR) of 6.6%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI - Credit Risk Fund.?
- The total expense ratio of the Regular plan is 1.43% a year, as disclosed to AMFI (median of Credit Risk Regular plans: 1.46%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Credit Risk Fund.?
- Assets under management of the whole scheme were ₹241 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Credit Risk Fund.?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Credit Risk Fund. and how has it compared?
- Its official benchmark is the CRISIL Credit Risk Debt B-II Index. Over 3 years AMFI reports a return of 7.0% for this plan against 7.8% for the benchmark total return index; over 5 years 6.3% against 7.2%. Past performance does not indicate future results.
- How often has UTI - Credit Risk Fund. beaten its category?
- At 19% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Credit Risk schemes (Regular plans); it was in the top quarter at 13% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 6.3% and the Regular plan's by 5.6%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.