UTI Credit Risk Fund · Regular · Growth
NAV
₹18.2265
as of 31 Jul 2026
Expense Ratio
1.65%
AUM
₹252 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.92%
- 3Y
- +7.12%
- 5Y
- +9.46%
- Since Inception
- +4.47%
SIP returns (XIRR)
- 1Y
- +6.33%
- 3Y
- +7.01%
- 5Y
- +7.15%
- Since Inception
- +4.04%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,39,961 today — ₹5,95,000 invested, 4.3% XIRR.
₹5,95,000
Invested
₹7,39,961
Value today
4.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,30,188 today (2.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹5,61,923.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,57,129 today (1.57×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.66
Sharpe Ratio
—
Alpha
—
Beta
0.71
Sortino
0.96%
Std Dev
-0.46%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.10% Gsec - Mat - 08/04/20349.41%
- 2Piramal Finance Limited7.07%
- 3Spn/Ddb Jtpm Metal Traders Limited6.28%
- 4Vedanta Ltd5.99%
- 5Aadhar Housing Finance Limited5.98%
- 6Tata Projects Ltd5.97%
- 7Adani Power Ltd.5.92%
- 807.73% Xirr Ptc- Shivshakti Securitisation Trust-28/09/20295.82%
- 9Avanse Financial Services Limited5.77%
- 10Eris Lifesciences Ltd4.58%
Investment Objective
UTI Credit Risk Fund · Regular · Growth by UTI Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
UTI Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by UTI Mutual Fund. The fund has been operational for over 13 years. It manages assets worth ₹252 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Credit Risk Debt B-II Index. The current expense ratio is 1.65%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations