UTI - Credit Risk Fund.
UTI Mutual Fund · Credit Risk · Direct plan, growth option
NAV (₹), 1 Oct 2026
20.8813
1-day change
-0.03%
1Y return
6.3%
3Y CAGR
7.7%
5Y CAGR
7.1%
Max drawdown, 5Y
−0.8%
NAV history month-end NAV, ₹ · 2 Jan 2013 to 1 Oct 2026
Returns vs Credit Risk median (13 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.1% | 0.2% |
| 3 months | 1.1% | 1.2% |
| 6 months | 3.5% | 4.4% |
| Year to date | 4.6% | 5.7% |
| 1 year | 6.3% | 7.5% |
| 3 years (CAGR) | 7.7% | 8.8% |
| 5 years (CAGR) | 7.1% | 7.8% |
| 7 years (CAGR) | 3.1% | 8.0% |
| 10 years (CAGR) | 3.4% | 7.7% |
| Since first NAV (CAGR) | 5.4% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.0% | 8.6% |
| 3Y rolling median | 8.0% | 8.2% |
| 3Y rolling worst | -9.8% | 5.2% |
| 3Y periods positive | 72% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 0.1% | 7.1% |
| 5Y rolling worst | -2.8% | 6.1% |
| 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 | 0.96 | 1.15 |
| Sortino ratio | 1.75 | 3.62 |
| 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 | −34.4% | −3.9% |
| Maximum drawdown, last 10Y | −34.4% | −3.9% |
| Maximum drawdown, last 5Y | −0.8% | −1.0% |
| Current drawdown | −0.2% | −0.1% |
| Recovery time of worst fall | 1504 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme invests mainly in the market below, which is also close to how many of them are benchmarked. Where that market stands today:
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.43% a year and the Direct plan's 0.76%, a gap of 0.67%; over the last 3 years the Direct plan returned 0.74 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹16,16,402.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anurag Mittal | 21 Jul 2026 | |
| Not Applicable | 21 Jul 2026 | |
| Not Applicable | 21 Jul 2026 | |
| Not Applicable | 21 Jul 2026 |
Objective: The investment objective of the scheme is to generate reasonable income and capital appreciation by investing minimum of 65% of total assets in AA and below rated corporate bonds (excluding AA+ rated corporate bonds). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Stated asset allocation: Corporate debt rated AA and below: 65% - 100% Debt (other than that stated above) and Money market instruments (including Triparty Repos on Government Securities or treasury bill & Repo): 0% - 35% Units issued by InvITs: 0% - 10%
Benchmark (tier 1): CRISIL Credit Risk Debt B-II Index
Exit load: Redemption/Switch out (a) within 12 months from date of allotment – i. up to 10% of allotted Units - NIL ii. beyond 10% of allotted Units - 1.00% (b) After 12 months from the date of allotment - NIL
Minimum application: Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular PlanGrowth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular PlanQuarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCWRs.20000. "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:"
Allotment date: 19 Nov 2012
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.76% | 0.80% |
| AUM, whole scheme (₹ crore) | 241 | 441 |
| 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) | 6.5% | 6.8% TRI |
| Return, 3 years (AMFI) | 7.7% | 7.8% TRI |
| Return, 5 years (AMFI) | 7.1% | 7.2% TRI |
| Month-ends above category median (3Y CAGR) | 38% | 44% median |
| Month-ends in category top quartile (3Y) | 28% | 29% median |
| 7Y rolling CAGR, median (monthly windows) | 1.8% | 7.2% 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 Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.6% | n/a | – |
| 2025 | 8.1% | n/a | – |
| 2024 | 8.7% | n/a | – |
| 2023 | 7.4% | n/a | – |
| 2022 | 4.7% | n/a | – |
| 2021 | 22.4% | n/a | – |
| 2020 | -27.2% | n/a | – |
| 2019 | -3.9% | n/a | – |
| 2018 | 6.6% | n/a | – |
| 2017 | 8.2% | 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 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,988 | 6.2% |
| 3 years | ₹3,60,000 | ₹4,01,998 | 7.3% |
| 5 years | ₹6,00,000 | ₹7,22,707 | 7.4% |
| 10 years | ₹12,00,000 | ₹15,53,101 | 5.0% |
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: Direct · Growth
AMFI scheme code: 120764
ISIN: INF789F01YB6
First NAV in MFIC data: 2 Jan 2013
History: 13.7 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
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 | 7.4% |
| Nippon India CRISIL - IBX AAA Financial Services - Jan 2028 Index Fund | Debt Index Fund | 0.94 | n/a |
| UTI Short Term Fund | Short Duration | 0.94 | 7.3% |
| Nippon India Short Term Fund | Short Duration | 0.94 | 7.6% |
| Kotak Short Term Fund | Short Duration | 0.94 | 7.4% |
| Canara Robeco Short Term Fund | Short Duration | 0.93 | 7.0% |
Questions about UTI - Credit Risk Fund.
- What is the latest NAV of UTI - Credit Risk Fund.?
- The NAV of the Direct plan (growth option) was ₹20.8813 on 1 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 13 Credit Risk schemes (Direct plans).
- What returns has UTI - Credit Risk Fund. delivered?
- Over one year the NAV changed by 6.3%. The 3-year CAGR is 7.7% (category median 8.8%) and the 5-year CAGR is 7.1% (category median 7.8%). 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 8.0%, the lowest was -9.8%, 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 34.4%; within the last five years it was 0.8% (category median 1.0%).
- 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 ₹7,22,707 on 1 Oct 2026, an annualised return (XIRR) of 7.4%. This uses the Direct 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 Direct plan is 0.76% a year, as disclosed to AMFI (median of Credit Risk Direct plans: 0.80%). 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 7.7% for this plan against 7.8% for the benchmark total return index; over 5 years 7.1% against 7.2%. Past performance does not indicate future results.
- How often has UTI - Credit Risk Fund. beaten its category?
- At 38% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Credit Risk schemes (Direct plans); it was in the top quarter at 28% of them. A typical scheme would show about 50%.
- Who manages UTI - Credit Risk Fund.?
- According to its Scheme Summary Document, UTI - Credit Risk Fund. is managed by Anurag Mittal (since 21 Jul 2026), Not Applicable (since 21 Jul 2026), Not Applicable (since 21 Jul 2026), Not Applicable (since 21 Jul 2026).
- What is the exit load of UTI - Credit Risk Fund.?
- As stated in its scheme documents: Redemption/Switch out (a) within 12 months from date of allotment – i. up to 10% of allotted Units - NIL ii. beyond 10% of allotted Units - 1.00% (b) After 12 months from the date of allotment - NIL Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in UTI - Credit Risk Fund.?
- The minimum application amount is Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular PlanGrowth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular PlanQuarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCWRs.20000. "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:". SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000 "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:".
- 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.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct 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.