UTI Credit Risk Fund - Regular Plan - Growth Option
₹17.8988
₹0.01 (+0.06%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹17.8988
₹0.01 (+0.06%)
29 May 2026
AMFI: 117981
Direct · Growth
₹₹20.3519
₹0.01 (+0.07%)
29 May 2026
AMFI: 120764
Regular · IDCW
₹₹12.0071
₹0.01 (+0.06%)
29 May 2026
AMFI: 135419
Direct · IDCW
₹₹11.2453
₹0.01 (+0.07%)
29 May 2026
AMFI: 131419
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹81,000
Invested
₹1,05,933
Value today
3.9%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹1,786
Value today
4.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹8,10,000
Withdrawn
₹7,26,730
Corpus left
+₹5,36,730 net gain — withdrew ₹8,10,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,54,304
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,54,304 — a 1.5× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹79,669
Regular plan
₹74,218
Direct earns ₹5,451 more on a ₹60K investment — 0.91% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised0.12
Sharpe Ratio
—
Alpha
—
Beta
0.13
Sortino
0.89%
Std Dev
-0.46%
Max Drawdown
Portfolio Holdings
Top 23 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
INDUS INFRA TRUST INE0NHL23019 | 2.02% |
| Security | % NAV |
|---|---|
7.10% GSEC - MAT - 08/04/2034 IN0020240019 | 9.38% |
ADITYA BIRLA REAL ESTATE LTD INE055A08037 | 7.54% |
PIRAMAL FINANCE LIMITED INE516Y07444 | 7.08% |
VEDANTA LTD INE205A08020 | 6.00% |
AADHAR HOUSING FINANCE LIMITED INE883F07330 | 5.99% |
TATA PROJECTS LTD INE725H08162 | 5.97% |
ADANI POWER LTD. INE814H07208 | 5.92% |
07.73% XIRR PTC- SHIVSHAKTI SECURITISATION TRUST-28/09/2029 INE2I7G15010 | 5.86% |
AVANSE FINANCIAL SERVICES LIMITED INE087P07451 | 5.74% |
ERIS LIFESCIENCES LTD INE406M08029 | 4.58% |
07.18% GSEC MAT -14/08/2033 IN0020230085 | 3.99% |
NIRMA LTD. INE091A07216 | 3.97% |
ADITYA BIRLA RENEWABLES LTD INE01QP08016 | 3.58% |
GODREJ SEEDS AND GENETICS LIMITED INE316Z08063 | 2.94% |
GODREJ SEEDS AND GENETICS LIMITED INE316Z08055 | 2.94% |
ERIS LIFESCIENCES LTD INE406M08011 | 2.59% |
360 ONE PRIME LTD INE248U07FN4 | 1.99% |
7.79% UTTARPRADESH SDL 29/03/2033 IN3320220186 | 0.88% |
VEDANTA LTD INE205A08095 | 0.79% |
6.54% GSEC MAT - 17/01/2032 IN0020210244 | 0.78% |
7.38% GSEC 20/06/2027 IN0020220037 | 0.00% |
| Security | % NAV |
|---|---|
A2 UNITS INF0RQ622028 | 0.52% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
UTI Credit Risk Fund - Regular Plan - Growth Option 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 Plan - Growth Option is a Credit Risk mutual fund offered by UTI Mutual Fund. The fund has been operational for over 13 years. It manages assets worth ₹257 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