Should I invest in UTI Credit Risk Fund?

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

UTI

UTI Credit Risk Fund - Regular Plan - Growth Option

Latest NAV

₹17.9050

As of

3 Jun 2026

3,261 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	4 / 8	Q2
1W	+0.10%	+20.96%	-20.86	8 / 9	Q4
2W	+0.24%	+36.31%	-36.07	8 / 8	Q4
1M	+0.08%	+36.44%	-36.36	8 / 8	Q4
3M	+0.66%	+38.01%	-37.36	7 / 8	Q4
6M	+1.96%	+40.85%	-38.90	7 / 8	Q4
YTD	+1.64%	+38.38%	-36.74	7 / 8	Q4
1Y	+4.93%	+30.24%	-25.31	6 / 9	Q3
2Y	+6.89%	-0.66%	+7.55	7 / 9	Q4
3Y	+6.79%	+8.30%	-1.51	6 / 7	Q4
4Y	+6.69%	+7.83%	-1.13	5 / 6	Q4
5Y	+9.24%	+7.66%	+1.59	2 / 6	Q2
7Y	+1.29%	+6.07%	-4.78	6 / 6	Q4
10Y	+2.71%	+6.17%	-3.46	5 / 5	Q4
Inception	+4.38%	-11.82%	+16.20	8 / 10	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	+1.64%	+2.47%	-0.83	6 / 7
2025	+7.40%	+10.49%	-3.10	6 / 7
2024	+7.86%	+8.22%	-0.36	4 / 7
2023	+6.53%	+7.37%	-0.84	5 / 7
2022	+3.86%	+44.94%	-41.08	5 / 7
2021	+21.40%	-7.03%	+28.43	1 / 8
2020	-27.84%	-1.71%	-26.14	7 / 7
2019	-4.77%	+1.40%	-6.17	6 / 6
2018	+5.39%	+5.40%	-0.01	4 / 6
2017	+6.77%	+7.19%	-0.42	4 / 5
2016	+10.24%	+10.47%	-0.23	4 / 5

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

+5.00%

153 windows

min -33.3% · max 22.1%

86% positive

3-Year rolling

+3.79%

129 windows

min -10.6% · max 11.1%

72% positive

5-Year rolling

+2.42%

104 windows

min -3.7% · max 9.4%

47% positive

7-Year rolling

+1.12%

80 windows

min 0.0% · max 6.5%

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

0.95%

3-year · annualised

Sharpe ratio

0.10

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
Invesco India Credit Risk Fund - Regular Plan - Growth	Invesco	₹2,038.4448	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Growth	Bandhan	₹16.9818	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹24.7007	3 Jun 2026
HSBC Credit Risk Fund - Regular Growth	HSBC	₹33.7773	3 Jun 2026
Baroda BNP Paribas Credit Risk fund -Regular-Growth -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular Growth Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	3 Jun 2026
Axis Credit Risk Fund - Regular Plan - Growth	Axis	₹22.7579	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.9050
2 Jun 2026	₹17.9041
1 Jun 2026	₹17.8958
29 May 2026	₹17.8988
27 May 2026	₹17.8873
26 May 2026	₹17.8862
25 May 2026	₹17.8761
22 May 2026	₹17.8538
21 May 2026	₹17.8414
20 May 2026	₹17.8567

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 - Growth Option is ₹17.9050. It's a Credit Risk Fund from UTI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Credit Risk Fund - Regular Plan - Growth Option has NAV history starting from 26 Nov 2012, 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of 4.93% — -25.31 pp behind the Credit Risk Fund category average of 30.24%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Regular Plan - Growth Option has delivered a CAGR of 6.79% — -1.51 pp behind the Credit Risk Fund category average of 8.30%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Regular Plan - Growth Option has delivered a CAGR of 9.24% — +1.59 pp ahead of the Credit Risk Fund category average of 7.66%. The fund ranks #2 of 6 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹130,659 today — a multiplier of 1.31×, based on the 10-year CAGR of 2.71%. The category average over the same window would have grown ₹1 lakh to ₹181,952.

A ₹10,000 monthly SIP in UTI Credit Risk Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹715,440 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 - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,471,575 (multiplier 1.23×). XIRR: 4.00%. 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 - Growth Option ranks #2 out of 6 funds in the Credit Risk Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.66%; this fund delivered 9.24%.

The worst peak-to-trough decline UTI Credit Risk Fund - Regular Plan - Growth Option 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 - Growth Option averaged 2.42% (best 9.45%, worst -3.74%). 47% 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 - Growth Option returned 7.40% — lagging the Credit Risk Fund category average of 10.49% by 3.10 pp. It ranked #6 of 7 in its category that year.

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

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