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

We don't give personal investment advice. UTI Credit Risk Fund - Regular 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: 9.24%.

UTI

UTI Credit Risk Fund - Regular Plan - Flexi IDCW

Latest NAV

₹11.6232

As of

3 Jun 2026

2,636 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%	+0.04%	+0.01	12 / 36	Q2
1W	+0.10%	+23.03%	-22.93	32 / 41	Q4
2W	+0.24%	+40.35%	-40.11	31 / 36	Q4
1M	+0.08%	+40.52%	-40.44	29 / 36	Q4
3M	+0.66%	+41.87%	-41.21	21 / 36	Q3
6M	+1.96%	+43.31%	-41.36	16 / 36	Q2
YTD	+1.64%	+40.80%	-39.16	17 / 36	Q2
1Y	+4.93%	+29.96%	-25.04	15 / 41	Q2
2Y	+6.89%	-4.68%	+11.57	18 / 41	Q2
3Y	+6.79%	+4.58%	+2.21	13 / 31	Q2
4Y	+6.69%	+4.37%	+2.32	11 / 28	Q2
5Y	+9.24%	+5.19%	+4.05	7 / 28	Q1
7Y	+1.29%	+3.07%	-1.78	22 / 28	Q4
10Y	+1.13%	+2.50%	-1.38	14 / 23	Q3
Inception	+1.39%	-16.47%	+17.85	22 / 46	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	+1.64%	+0.57%	+1.07	11 / 30
2025	+7.40%	+6.54%	+0.86	17 / 30
2024	+7.86%	+3.89%	+3.97	7 / 30
2023	+6.53%	+4.30%	+2.23	11 / 31
2022	+3.86%	+50.17%	-46.31	15 / 33
2021	+21.40%	-10.96%	+32.36	5 / 38
2020	-27.84%	-4.85%	-23.00	33 / 33
2019	-8.16%	-1.86%	-6.30	27 / 28
2018	-0.22%	-0.45%	+0.23	17 / 28
2017	+0.12%	+1.47%	-1.35	17 / 24
2016	+6.08%	+4.33%	+1.76	7 / 24

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

+1.91%

121 windows

min -33.3% · max 22.1%

68% positive

3-Year rolling

+0.31%

97 windows

min -13.3% · max 11.1%

58% positive

5-Year rolling

-0.75%

73 windows

min -6.9% · max 9.4%

29% positive

7-Year rolling

-0.66%

48 windows

min -1.7% · max 1.3%

31% 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

0.95%

3-year · annualised

Sharpe ratio

0.09

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.46%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.6232
2 Jun 2026	₹11.6226
1 Jun 2026	₹11.6172
29 May 2026	₹11.6192
27 May 2026	₹11.6117
26 May 2026	₹11.6110
25 May 2026	₹11.6045
22 May 2026	₹11.5900
21 May 2026	₹11.5819
20 May 2026	₹11.5918

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 - Regular Plan - Flexi IDCW is ₹11.6232. It's a Credit Risk Fund from UTI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Credit Risk Fund - Regular Plan - Flexi IDCW has NAV history starting from 07 Jul 2015, a track record of about 10 years 10 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 - Regular 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 - Regular Plan - Flexi IDCW has delivered a absolute return of 4.93% — -25.04 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #15 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Regular Plan - Flexi IDCW has delivered a CAGR of 6.79% — +2.21 pp ahead of the Credit Risk Fund category average of 4.58%. The fund ranks #13 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Regular Plan - Flexi IDCW has delivered a CAGR of 9.24% — +4.05 pp ahead of the Credit Risk Fund category average of 5.19%. The fund ranks #7 of 28 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Regular Plan - Flexi IDCW exactly 10 years ago would be worth approximately ₹111,859 today — a multiplier of 1.12×, based on the 10-year CAGR of 1.13%. The category average over the same window would have grown ₹1 lakh to ₹128,048.

A ₹10,000 monthly SIP in UTI Credit Risk Fund - Regular Plan - Flexi IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹715,432 today. That's an XIRR (money-weighted annualised return) of 6.97%.

A ₹10,000 monthly SIP for 10 years in UTI Credit Risk Fund - Regular Plan - Flexi IDCW = ₹1,200,000 invested. It would currently be worth ₹1,436,578 (multiplier 1.20×). XIRR: 3.53%. 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 - Regular Plan - Flexi IDCW ranks #7 out of 28 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 5.19%; this fund delivered 9.24%.

The worst peak-to-trough decline UTI Credit Risk Fund - Regular Plan - Flexi IDCW has experienced over the last 5-year window is 0.80% — its NAV fell from a high on 02 May 2022 to a low on 09 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 - Regular Plan - Flexi IDCW averaged -0.74% (best 9.45%, worst -6.90%). 29% of rolling windows ended positive. The 5-year Sharpe ratio is 0.38 — weak risk-adjusted performance.

In calendar year 2025, UTI Credit Risk Fund - Regular Plan - Flexi IDCW returned 7.40% — beating the Credit Risk Fund category average of 6.54% by 0.86 pp. It ranked #17 of 30 in its category that year.

UTI Credit Risk Fund - Regular 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 - Regular 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: 9.24%.

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