UTI Credit Risk Fund · Regular · Growth
NAV
₹18.3293
as of 30 Sept 2026
Expense Ratio
1.43%
AUM
₹252 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.77%
- 3Y
- +6.98%
- 5Y
- +6.31%
- Since Inception
- +4.46%
SIP returns (XIRR)
- 1Y
- +5.61%
- 3Y
- +6.62%
- 5Y
- +6.75%
- Since Inception
- +4.02%
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,41,279 today — ₹5,95,000 invested, 4.4% XIRR.
₹5,95,000
Invested
₹7,41,279
Value today
4.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,28,385 today (2.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹5,42,573.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹1,58,015 today (1.58×).
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, annualised0.05
Sharpe Ratio
—
Alpha
—
Beta
0.05
Sortino
1.00%
Std Dev
-0.46%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 17.10% Gsec - Mat - 08/04/20349.55%
- 2Spn/Ddb Jtpm Metal Traders Limited7.78%
- 3Piramal Finance Limited7.22%
- 4Vedanta Aluminium Metal Ltd.6.07%
- 5Aadhar Housing Finance Limited6.04%
- 6Tata Projects Ltd6.03%
- 7Adani Power Ltd.5.98%
- 807.73% Xirr Ptc- Shivshakti Securitisation Trust-28/09/20295.85%
- 9Avanse Financial Services Limited5.83%
- 10Eris Lifesciences Ltd4.62%
What this fund does
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 1.43%.
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