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

We don't give personal investment advice. UTI Credit Risk Fund - Direct Plan - Quarterly 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 - Quarterly IDCW

Latest NAV

₹14.3676

As of

3 Jun 2026

3,226 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	19 / 44	Q2
1W	+0.11%	+26.93%	-26.82	35 / 51	Q3
2W	+0.27%	+44.08%	-43.82	34 / 45	Q4
1M	+0.13%	+44.33%	-44.20	36 / 45	Q4
3M	+0.83%	+45.80%	-44.97	27 / 45	Q3
6M	+2.32%	+47.80%	-45.48	20 / 45	Q2
YTD	+1.94%	+45.06%	-43.13	19 / 45	Q2
1Y	+5.68%	+37.65%	-31.97	20 / 50	Q2
2Y	+7.60%	+0.08%	+7.52	17 / 49	Q2
3Y	+7.53%	+4.19%	+3.34	11 / 37	Q2
4Y	+7.46%	+4.28%	+3.18	10 / 33	Q2
5Y	+10.02%	+4.97%	+5.05	4 / 33	Q1
7Y	+2.06%	+3.15%	-1.10	18 / 33	Q3
10Y	+2.16%	+2.93%	-0.77	11 / 26	Q2
Inception	+2.60%	-10.07%	+12.67	22 / 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	11 / 32
2025	+8.08%	+5.69%	+2.39	14 / 32
2024	+8.63%	+4.08%	+4.55	8 / 32
2023	+7.35%	+1.03%	+6.33	10 / 33
2022	+4.67%	+58.89%	-54.22	17 / 39
2021	+22.27%	-8.73%	+31.00	5 / 44
2020	-27.24%	-3.99%	-23.25	39 / 39
2019	-5.34%	-0.88%	-4.46	30 / 35
2018	+3.57%	+0.62%	+2.95	7 / 34
2017	+2.01%	+1.91%	+0.09	7 / 29
2016	+4.58%	+4.63%	-0.06	14 / 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

+3.18%

151 windows

min -32.8% · max 23.1%

85% positive

3-Year rolling

+2.04%

127 windows

min -11.8% · max 12.0%

70% positive

5-Year rolling

+0.88%

103 windows

min -5.8% · max 10.2%

48% positive

7-Year rolling

-0.36%

78 windows

min -2.9% · max 2.1%

40% 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

0.94%

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	₹14.3676
2 Jun 2026	₹14.3666
1 Jun 2026	₹14.3597
29 May 2026	₹14.3613
27 May 2026	₹14.3516
26 May 2026	₹14.3505
25 May 2026	₹14.3421
22 May 2026	₹14.3234
21 May 2026	₹14.3132
20 May 2026	₹14.3252

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 - Quarterly IDCW is ₹14.3676. 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 - Quarterly IDCW has NAV history starting from 16 Jan 2013, a track record of about 13 years 4 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 - Quarterly 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 - Quarterly 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 #20 of 50 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Direct Plan - Quarterly 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 #11 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Direct Plan - Quarterly 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 #4 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Direct Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹123,871 today — a multiplier of 1.24×, based on the 10-year CAGR of 2.16%. 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 - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹729,205 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 - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,503,239 (multiplier 1.25×). XIRR: 4.41%. 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 - Quarterly IDCW ranks #4 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 - Quarterly 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 - Quarterly IDCW averaged 0.88% (best 10.25%, worst -5.77%). 48% 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 - Quarterly IDCW returned 8.08% — beating the Credit Risk Fund category average of 5.69% by 2.39 pp. It ranked #14 of 32 in its category that year.

UTI Credit Risk Fund - Direct Plan - Quarterly 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 - Quarterly 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.