DebtCredit Risk FundDirectIDCWModerate

UTI - Credit Risk Fund.

Q: What is the NAV of UTI - Credit Risk Fund.?

As of 20 Aug 2026, the NAV of UTI - Credit Risk Fund. is ₹11.33 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI - Credit Risk Fund. delivered?

UTI - Credit Risk Fund. has returned +0.35% over 1 year, +4.61% per year over 3 years, +8.19% per year over 5 years and +0.81% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. charges an expense ratio of 1.04% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI - Credit Risk Fund.?

Its largest holdings are GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 (9.5%), JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC (7.7%), Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031 (7.1%), VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC (6.0%) and AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC (6.0%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI - Credit Risk Fund.?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 1.5% and its worst peak-to-trough fall in our sample was -37.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -1.25 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Credit Risk Fund.'s -1.25 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. is benchmarked against the CRISIL Credit Risk Debt B-II Index. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. is managed by Abhishek Sonthalia and Abhishek B at UTI.

Q: How is UTI - Credit Risk Fund. taxed?

UTI - Credit Risk Fund. is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.

UTI Mutual Fund · Best Credit Risk Mutual Funds

This is the Direct plan of UTI - Credit Risk Fund. — bought from the fund house, with no distributor commission in its expense ratio. Income is distributed monthly, which is why this NAV sits below the growth plan of the same fund.

NAV

₹11.33

-0.14% 1D

as of 20 Aug 2026

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This is the IDCW (dividend) option — it pays its earnings out as dividends rather than reinvesting them, so every payout steps the NAV down and the return figures below leave those payouts out. Your actual return was higher by whatever was distributed. That’s expected for a payout plan, not missing data.

View the Growth plan for compounded returns (+7.89% 3Y CAGR)

NAV history

+0.38%CAGR

52-week rangePrev NAV ₹11.34

Latest ₹11.33

Low ₹11.2076th percentile of its 52-week rangeHigh ₹11.36

Scorecard

★★★☆☆3/5 vs 26 Credit Risk Fund peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Credit Risk Fund (same plan and option).

PerformanceAverage

3Y CAGR +4.61% · ranks 12 of 26 Credit Risk Funds

RiskLow

Volatility 1.5% vs 4.4% category avg

CostHigh

1.0% expense vs 0.7% category avg

ConsistencyLow

55% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

5-year return (+8.19%) beats the Credit Risk Fund average (+4.39%)
Less volatile than its Credit Risk Fund peers (1.5% vs 4.4%)

Concerns

Trails the Credit Risk Fund average on 3M/6M/1Y — 1Y by 3.34pp
High expense ratio (1.04%) vs the Credit Risk Fund average of 0.73%
Positive in only 55% of rolling 3-year windows

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 0.73%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category —

Excess return per unit of total volatility (rf = 6.5%)

-1.25

Category -0.07▼1.18

Scheme Info

Definitions

Plan

Direct · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

19 Oct 2015

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+0.07%

Absolute return over the last 3 months (not annualized)

+0.96%

Absolute return over the last 6 months (not annualized)

+0.39%

Absolute return since 1 Jan of this year (not annualized)

+0.05%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+0.35%

3-year annualized return (CAGR)

+4.61%

5-year annualized return (CAGR)

+8.19%

10-year annualized return (CAGR)

+0.28%

Annualized return (CAGR) since the fund's inception

+0.81%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

1.51%

Excess return per unit of total volatility (rf = 6.5%)

-1.25

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-1.39

Largest peak-to-trough decline over full history

-36.96%

Benchmark ratios

Not shown for Credit Risk Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Credit Risk Fund)

Period	Fund	Category avg.	Diff
1M abs	+0.07%	+0.51%	-0.44%
3M abs	+0.96%	+1.88%	-0.92%
6M abs	+0.39%	+1.71%	-1.32%
1Y CAGR	+0.35%	+3.69%	-3.34%
3Y CAGR	+4.61%	+4.37%	+0.24%
5Y CAGR	+8.19%	+4.39%	+3.80%

Category average across peers in Credit Risk Fund (25 of 26 carry a figure for at least one period), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 26 peers in Credit Risk Fund

1Y return

+0.35%

Beats 28% · rank #19

3Y return

+4.61%

Beats 56% · rank #12

5Y return

+8.19%

Beats 78.3% · rank #6

Sharpe

-1.25

Beats 24% · rank #20

Sortino

-1.39

Beats 28% · rank #19

Rolling returns

Return for every possible 1Y holding period, not just today’s

Average

+1.4%

Median

+3.3%

Best

+23.3%

Worst

-33.4%

Positive periods

62.2%

119 overlapping 1Y windows, sampled monthly across the fund’s history.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹6.69L

Absolute

+11.43%

XIRR

+4.42%

Value vs. invested

60 monthly installments of ₹10,000 into UTI - Credit Risk Fund., valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+0.08%
2025	+2.66%
2024	+8.67%
2023	+7.42%
2022	+4.67%
2021	+22.37%
2020	-27.18%
2019	-8.88%
2018	-0.81%
2017	+0.37%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

History points

2,621

Expense ratio

AUM

Portfolio turnover

Exit load

Taxation

Taxed as debt

This is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

Pick your slab to see the rate that applies to you.

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Credit Risk Fund

Compare all


UTI - Credit Risk Fund.This fund UTI	★★★☆☆	+0.35%	+4.61%	+8.19%	—	1.04%	₹252.19Cr
Invesco India Credit Risk Fund Invesco	★★★★★	+8.40%	+9.71%	+8.46%	—	0.28%	₹7.72L
SBI Credit Risk Fund SBI	★★★★★	+8.60%	+8.72%	+7.80%	—	0.91%	₹2,138Cr
SBI Credit Risk Fund SBI	★★★★☆	+8.60%	+8.71%	+7.79%	—	0.91%	₹2,138Cr
Kotak Credit Risk Fund Kotak Mahindra	★★★★☆	+7.98%	+8.70%	+6.81%	—	0.81%	₹770.02Cr
HDFC Credit Risk Debt Fund HDFC	★★★★★	+7.72%	+8.34%	+7.22%	—	1.01%	₹7,327Cr

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-37.0%01 Sep 2017 → 27 Aug 2020
Fell over 3.0 years, back to the old high on 21 Apr 2025 — 4.6 years under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹252.19Cr

April - June 2026

-2%

since January - March 2026

At or near its largest, ₹256.83Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Debt funds

Debt funds lend to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.

Frequently asked questions

What is the NAV of UTI - Credit Risk Fund.?

As of 20 Aug 2026, the NAV of UTI - Credit Risk Fund. is ₹11.33 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI - Credit Risk Fund. delivered?

UTI - Credit Risk Fund. has returned +0.35% over 1 year, +4.61% per year over 3 years, +8.19% per year over 5 years and +0.81% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. charges an expense ratio of 1.04% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of UTI - Credit Risk Fund.?

Its largest holdings are GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 (9.5%), JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC (7.7%), Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031 (7.1%), VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC (6.0%) and AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC (6.0%). Holdings are disclosed monthly and change over time.

How risky is UTI - Credit Risk Fund.?

It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 1.5% and its worst peak-to-trough fall in our sample was -37.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -1.25 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Credit Risk Fund.'s -1.25 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. is benchmarked against the CRISIL Credit Risk Debt B-II Index. Its alpha and beta on this page are measured against that index.

Who manages UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. is managed by Abhishek Sonthalia and Abhishek B at UTI.

How is UTI - Credit Risk Fund. taxed?

UTI - Credit Risk Fund. is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.