Should I invest in UTI Credit Risk Fund - Flexi IDCW?

We don't give personal investment advice. UTI Credit Risk Fund - Direct Plan - Flexi IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.8%. 5-year CAGR: 10.02%.

UTI

UTI Credit Risk Fund - Direct Plan - Flexi IDCW

Latest NAV

₹12.9222

As of

3 Jun 2026

2,492 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.05%	+13.44%	-13.39	21 / 44	Q2
1W	+0.11%	+26.93%	-26.82	34 / 51	Q3
2W	+0.27%	+44.08%	-43.82	33 / 45	Q3
1M	+0.13%	+44.33%	-44.20	37 / 45	Q4
3M	+0.83%	+45.80%	-44.97	28 / 45	Q3
6M	+2.32%	+47.80%	-45.48	21 / 45	Q2
YTD	+1.94%	+45.06%	-43.13	20 / 45	Q2
1Y	+5.68%	+37.65%	-31.97	21 / 50	Q2
2Y	+7.60%	+0.08%	+7.52	20 / 49	Q2
3Y	+7.53%	+4.19%	+3.34	13 / 37	Q2
4Y	+7.46%	+4.28%	+3.18	12 / 33	Q2
5Y	+10.02%	+4.97%	+5.05	3 / 33	Q1
7Y	+2.06%	+3.15%	-1.09	17 / 33	Q3
10Y	+2.06%	+2.93%	-0.87	12 / 26	Q2
Inception	+2.04%	-10.07%	+12.11	24 / 54	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.94%	+1.31%	+0.63	12 / 32
2025	+8.08%	+5.69%	+2.39	16 / 32
2024	+8.62%	+4.08%	+4.54	10 / 32
2023	+7.36%	+1.03%	+6.34	8 / 33
2022	+4.67%	+58.89%	-54.22	14 / 39
2021	+22.29%	-8.73%	+31.02	2 / 44
2020	-27.24%	-3.99%	-23.25	37 / 39
2019	-7.09%	-0.88%	-6.21	33 / 35
2018	+1.05%	+0.62%	+0.43	14 / 34
2017	+1.49%	+1.91%	-0.42	11 / 29
2016	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+2.62%

114 windows

min -32.8% · max 23.1%

77% positive

3-Year rolling

+1.08%

90 windows

min -12.3% · max 12.0%

56% positive

5-Year rolling

+0.86%

65 windows

min -5.7% · max 10.3%

37% positive

7-Year rolling

+0.41%

41 windows

min -0.7% · max 2.1%

66% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.94%

3-year · annualised

Sharpe ratio

0.84

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.44%

May 2026 → May 2026

% positive months

97.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - IDCW Option - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.3422	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.9222
2 Jun 2026	₹12.9213
1 Jun 2026	₹12.9151
29 May 2026	₹12.9165
27 May 2026	₹12.9078
26 May 2026	₹12.9068
25 May 2026	₹12.8993
22 May 2026	₹12.8825
21 May 2026	₹12.8733
20 May 2026	₹12.8841

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of UTI Credit Risk Fund - Direct Plan - Flexi IDCW is ₹12.9222. It's a Credit Risk Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Credit Risk Fund - Direct Plan - Flexi IDCW has NAV history starting from 09 Feb 2016, a track record of about 10 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Credit Risk Fund - Direct Plan - Flexi IDCW is managed by UTI. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Credit Risk Fund - Direct Plan - Flexi IDCW has delivered a absolute return of 5.68% — -31.97 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #21 of 50 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 7.53% — +3.34 pp ahead of the Credit Risk Fund category average of 4.19%. The fund ranks #13 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Direct Plan - Flexi IDCW has delivered a CAGR of 10.02% — +5.05 pp ahead of the Credit Risk Fund category average of 4.97%. The fund ranks #3 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Direct Plan - Flexi IDCW exactly 10 years ago would be worth approximately ₹122,617 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.06%. The category average over the same window would have grown ₹1 lakh to ₹133,503.

A ₹10,000 monthly SIP in UTI Credit Risk Fund - Direct Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹729,165 today. That's an XIRR (money-weighted annualised return) of 7.73%.

A ₹10,000 monthly SIP for 10 years in UTI Credit Risk Fund - Direct Plan - Flexi IDCW = ₹1,200,000 invested. It would currently be worth ₹1,494,668 (multiplier 1.25×). XIRR: 4.30%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Credit Risk Fund - Direct Plan - Flexi IDCW ranks #3 out of 33 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 4.97%; this fund delivered 10.02%.

The worst peak-to-trough decline UTI Credit Risk Fund - Direct Plan - Flexi IDCW has experienced over the last 5-year window is 0.79% — its NAV fell from a high on 02 May 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI Credit Risk Fund - Direct Plan - Flexi IDCW averaged 0.86% (best 10.25%, worst -5.65%). 37% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, UTI Credit Risk Fund - Direct Plan - Flexi IDCW returned 8.08% — beating the Credit Risk Fund category average of 5.69% by 2.39 pp. It ranked #16 of 32 in its category that year.

UTI Credit Risk Fund - Direct Plan - Flexi IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI Credit Risk Fund - Direct Plan - Flexi IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.8%. 5-year CAGR: 10.02%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.