UTI Credit Risk Fund · Regular · Growth
NAV
₹18.0559
as of 17 Jun 2026
Expense Ratio
1.65%
AUM
₹257 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.70%
- 3Y
- +7.02%
- 5Y
- +9.39%
- Since Inception
- +4.44%
SIP returns (XIRR)
- 1Y
- +5.87%
- 3Y
- +6.93%
- 5Y
- +7.19%
- Since Inception
- +3.97%
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹81,500
Invested
₹1,07,110
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
₹1,797
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
₹8,15,000
Withdrawn
₹7,26,322
Corpus left
+₹5,41,322 net gain — withdrew ₹8,15,000 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
₹1,55,286
Value today
1.6×
Multiple
Staying invested through that crash turned ₹1L into ₹1,55,286 — a 1.6× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.56
Sharpe Ratio
—
Alpha
—
Beta
0.60
Sortino
0.93%
Std Dev
-0.46%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.10% Gsec - Mat - 08/04/20349.38%
- 2Aditya Birla Real Estate Ltd7.54%
- 3Piramal Finance Limited7.08%
- 4Vedanta Ltd6.00%
- 5Aadhar Housing Finance Limited5.99%
- 6Tata Projects Ltd5.97%
- 7Adani Power Ltd.5.92%
- 807.73% Xirr Ptc- Shivshakti Securitisation Trust-28/09/20295.86%
- 9Avanse Financial Services Limited5.74%
- 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 ₹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