Should I invest in UTI Credit Risk Fund?

We don't give personal investment advice. UTI Credit Risk Fund - Direct Plan - Growth Option 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: 10.21%.

UTI

UTI Credit Risk Fund - Direct Plan - Growth Option

Latest NAV

₹20.6796

As of

17 Jul 2026

3,267 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	+0.03%	+0.04%	-0.01	10 / 14	Q3
1W	-0.06%	+0.04%	-0.10	14 / 14	Q4
2W	+0.06%	+0.05%	+0.01	4 / 14	Q2
1M	+0.69%	+0.92%	-0.22	13 / 14	Q4
3M	+1.90%	+2.19%	-0.29	12 / 14	Q4
6M	+3.56%	+4.55%	-0.99	14 / 14	Q4
YTD	+3.54%	+4.79%	-1.25	12 / 14	Q4
1Y	+6.52%	+8.02%	-1.50	12 / 14	Q4
2Y	+8.02%	+9.96%	-1.95	12 / 14	Q4
3Y	+7.81%	+9.73%	-1.92	13 / 14	Q4
4Y	+7.74%	+8.90%	-1.16	11 / 13	Q4
5Y	+10.21%	+8.48%	+1.72	3 / 13	Q1
7Y	+2.20%	+7.66%	-5.45	13 / 13	Q4
10Y	+3.59%	+7.63%	-4.04	12 / 12	Q4
Inception	+5.41%	+8.36%	-2.94	14 / 14	Q4

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	+3.54%	+4.78%	-1.23	11 / 13
2025	+8.08%	+11.47%	-3.39	12 / 13
2024	+8.63%	+8.95%	-0.32	8 / 13
2023	+7.36%	+8.59%	-1.24	10 / 14
2022	+4.67%	+4.85%	-0.18	7 / 13
2021	+22.27%	+9.50%	+12.77	1 / 13
2020	-27.24%	+4.10%	-31.34	13 / 13
2019	-3.85%	+4.87%	-8.71	13 / 13
2018	+6.51%	+6.20%	+0.31	9 / 13
2017	+8.04%	+8.01%	+0.03	4 / 12
2016	+11.50%	+11.27%	+0.23	5 / 12

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

+5.86%

153 windows

min -32.7% · max 23.1%

86% positive

3-Year rolling

+4.63%

129 windows

min -9.8% · max 11.8%

71% positive

5-Year rolling

+3.42%

105 windows

min -2.8% · max 10.5%

50% positive

7-Year rolling

+1.94%

80 windows

min 1.0% · max 5.9%

100% positive

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

0.92%

3-year · annualised

Sharpe ratio

1.15

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.44%

May 2026 → May 2026

% positive months

100.0%

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 - Growth Option - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.8973	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,334.6655	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.9380	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.9811	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹60.3545	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.6796
16 Jul 2026	₹20.6730
15 Jul 2026	₹20.6542
14 Jul 2026	₹20.6472
13 Jul 2026	₹20.6807
10 Jul 2026	₹20.6926
9 Jul 2026	₹20.6714
8 Jul 2026	₹20.6639
7 Jul 2026	₹20.6721
6 Jul 2026	₹20.6811

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 17 Jul 2026, the NAV of UTI Credit Risk Fund - Direct Plan - Growth Option is ₹20.6796. It's a Credit Risk Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Credit Risk Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 - Growth Option 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 - Growth Option has delivered a absolute return of 6.52% — -1.5 pp behind the Credit Risk Fund category average of 8.02%. The fund ranks #12 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Direct Plan - Growth Option has delivered a CAGR of 7.81% — -1.92 pp behind the Credit Risk Fund category average of 9.73%. The fund ranks #13 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Direct Plan - Growth Option has delivered a CAGR of 10.21% — +1.72 pp ahead of the Credit Risk Fund category average of 8.48%. The fund ranks #3 of 13 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹142,309 today — a multiplier of 1.42×, based on the 10-year CAGR of 3.59%. The category average over the same window would have grown ₹1 lakh to ₹208,632.

A ₹10,000 monthly SIP in UTI Credit Risk Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹732,364 today. That's an XIRR (money-weighted annualised return) of 7.90%.

A ₹10,000 monthly SIP for 10 years in UTI Credit Risk Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,552,853 (multiplier 1.29×). XIRR: 5.04%. 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 - Growth Option ranks #3 out of 13 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 8.48%; this fund delivered 10.21%.

The worst peak-to-trough decline UTI Credit Risk Fund - Direct Plan - Growth Option 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 - Growth Option averaged 3.42% (best 10.52%, worst -2.82%). 50% 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 - Growth Option returned 8.08% — lagging the Credit Risk Fund category average of 11.47% by 3.39 pp. It ranked #12 of 13 in its category that year.

UTI Credit Risk Fund - Direct Plan - Growth Option 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 - Growth Option 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: 10.21%.

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