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

We don't give personal investment advice. UTI Credit Risk Fund - Direct Plan - Monthly 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: 1.4%. 5-year CAGR: 8.25%.

UTI

UTI Credit Risk Fund - Direct Plan - Monthly IDCW

Latest NAV

₹11.2045

As of

3 Jun 2026

2,566 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	-0.36%	+13.44%	-13.80	44 / 44	Q4
1W	-0.29%	+26.93%	-27.22	43 / 51	Q4
2W	-0.14%	+44.08%	-44.23	41 / 45	Q4
1M	-0.85%	+44.33%	-45.18	44 / 45	Q4
3M	-0.97%	+45.80%	-46.77	42 / 45	Q4
6M	-0.66%	+47.80%	-48.46	35 / 45	Q4
YTD	-1.03%	+45.06%	-46.09	40 / 45	Q4
1Y	-1.44%	+37.65%	-39.09	38 / 50	Q4
2Y	+3.32%	+0.08%	+3.24	29 / 49	Q3
3Y	+4.66%	+4.19%	+0.47	17 / 37	Q2
4Y	+5.30%	+4.28%	+1.02	14 / 33	Q2
5Y	+8.25%	+4.97%	+3.28	8 / 33	Q1
7Y	+0.62%	+3.15%	-2.54	27 / 33	Q4
10Y	+0.34%	+2.93%	-2.59	22 / 26	Q4
Inception	+0.73%	-10.07%	+10.79	37 / 54	Q3

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	-1.03%	+1.31%	-2.34	29 / 32
2025	+2.63%	+5.69%	-3.06	21 / 32
2024	+8.63%	+4.08%	+4.55	7 / 32
2023	+7.35%	+1.03%	+6.33	11 / 33
2022	+4.67%	+58.89%	-54.22	15 / 39
2021	+22.28%	-8.73%	+31.01	3 / 44
2020	-27.24%	-3.99%	-23.25	36 / 39
2019	-8.87%	-0.88%	-7.99	34 / 35
2018	-0.90%	+0.62%	-1.52	26 / 34
2017	+0.25%	+1.91%	-1.67	22 / 29
2016	+6.01%	+4.63%	+1.38	9 / 28

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

+1.46%

118 windows

min -33.2% · max 23.1%

63% positive

3-Year rolling

+0.13%

93 windows

min -14.1% · max 12.0%

53% positive

5-Year rolling

-0.42%

69 windows

min -7.2% · max 9.7%

32% positive

7-Year rolling

-0.63%

45 windows

min -1.7% · max 0.6%

36% 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

1.81%

3-year · annualised

Sharpe ratio

-1.06

vs risk-free 6.5%

Sortino ratio

-1.98

Downside-only deviation

Max drawdown

-1.44%

May 2025 → Jun 2026

% positive months

83.3%

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	₹11.2045
2 Jun 2026	₹11.2037
1 Jun 2026	₹11.2441
29 May 2026	₹11.2453
27 May 2026	₹11.2377
26 May 2026	₹11.2368
25 May 2026	₹11.2303
22 May 2026	₹11.2157
21 May 2026	₹11.2077
20 May 2026	₹11.2171

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 - Monthly IDCW is ₹11.2045. 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 - Monthly IDCW has NAV history starting from 19 Oct 2015, a track record of about 10 years 7 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 - Monthly 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 - Monthly IDCW has delivered a absolute return of -1.44% — -39.09 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #38 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 4.66% — +0.47 pp ahead of the Credit Risk Fund category average of 4.19%. The fund ranks #17 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 8.25% — +3.28 pp ahead of the Credit Risk Fund category average of 4.97%. The fund ranks #8 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Direct Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹103,421 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.34%. 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 - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹677,543 today. That's an XIRR (money-weighted annualised return) of 4.80%.

A ₹10,000 monthly SIP for 10 years in UTI Credit Risk Fund - Direct Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,363,641 (multiplier 1.14×). XIRR: 2.51%. 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 - Monthly IDCW ranks #8 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 8.25%.

The worst peak-to-trough decline UTI Credit Risk Fund - Direct Plan - Monthly IDCW has experienced over the last 5-year window is 1.44% — its NAV fell from a high on 30 May 2025 to a low on 02 Jun 2026. 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 - Monthly IDCW averaged -0.42% (best 9.68%, worst -7.19%). 32% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2025, UTI Credit Risk Fund - Direct Plan - Monthly IDCW returned 2.63% — lagging the Credit Risk Fund category average of 5.69% by 3.06 pp. It ranked #21 of 32 in its category that year.

UTI Credit Risk Fund - Direct Plan - Monthly 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 - Monthly 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: 1.4%. 5-year CAGR: 8.25%.

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