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

We don't give personal investment advice. UTI Credit Risk Fund - Regular 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: 0.8%. 5-year CAGR: 9.43%.

UTI

UTI Credit Risk Fund - Regular Plan - Monthly IDCW

Latest NAV

₹10.9118

As of

17 Jul 2026

2,809 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%	+0.02%	+0.01	14 / 31	Q2
1W	-0.08%	-0.02%	-0.06	31 / 31	Q4
2W	+0.03%	-0.04%	+0.08	8 / 31	Q2
1M	+0.64%	+0.26%	+0.38	16 / 31	Q3
3M	+1.73%	+1.00%	+0.74	13 / 31	Q2
6M	+3.21%	+1.38%	+1.83	12 / 31	Q2
YTD	+3.15%	+1.54%	+1.61	12 / 31	Q2
1Y	+5.75%	+3.10%	+2.65	11 / 31	Q2
2Y	+7.30%	+5.13%	+2.17	9 / 31	Q2
3Y	+7.07%	+4.78%	+2.29	11 / 31	Q2
4Y	+6.97%	+4.49%	+2.49	8 / 28	Q2
5Y	+9.43%	+5.32%	+4.11	5 / 28	Q1
7Y	+1.44%	+3.49%	-2.05	19 / 28	Q3
10Y	+0.48%	+2.51%	-2.03	21 / 23	Q4
Inception	+0.75%	+2.75%	-2.00	24 / 31	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	+3.15%	+1.49%	+1.66	12 / 30
2025	+7.40%	+6.54%	+0.86	16 / 30
2024	+7.86%	+3.89%	+3.97	6 / 30
2023	+6.53%	+4.30%	+2.23	9 / 31
2022	+3.86%	+7.38%	-3.52	12 / 28
2021	+21.40%	+5.79%	+15.61	3 / 28
2020	-27.84%	-2.28%	-25.56	26 / 28
2019	-7.68%	-1.86%	-5.82	25 / 28
2018	-2.27%	-0.45%	-1.82	22 / 28
2017	-1.44%	+1.47%	-2.91	22 / 24
2016	+1.70%	+4.33%	-2.63	17 / 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

+0.99%

130 windows

min -33.2% · max 22.2%

65% positive

3-Year rolling

-0.28%

106 windows

min -14.4% · max 10.9%

45% positive

5-Year rolling

-1.40%

81 windows

min -8.7% · max 9.4%

28% positive

7-Year rolling

-1.37%

57 windows

min -3.1% · max 1.5%

26% 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

0.93%

3-year · annualised

Sharpe ratio

0.39

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	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 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	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.9118
16 Jul 2026	₹10.9085
15 Jul 2026	₹10.8988
14 Jul 2026	₹10.8953
13 Jul 2026	₹10.9132
10 Jul 2026	₹10.9201
9 Jul 2026	₹10.9091
8 Jul 2026	₹10.9053
7 Jul 2026	₹10.9098
6 Jul 2026	₹10.9148

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 - Regular Plan - Monthly IDCW is ₹10.9118. 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 - Monthly IDCW has NAV history starting from 04 Dec 2014, a track record of about 11 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 - Regular 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 - Regular Plan - Monthly IDCW has delivered a absolute return of 5.75% — +2.65 pp ahead of the Credit Risk Fund category average of 3.10%. The fund ranks #11 of 31 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Credit Risk Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 7.07% — +2.29 pp ahead of the Credit Risk Fund category average of 4.78%. The fund ranks #11 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Credit Risk Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 9.43% — +4.11 pp ahead of the Credit Risk Fund category average of 5.32%. The fund ranks #5 of 28 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Credit Risk Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹104,891 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.48%. The category average over the same window would have grown ₹1 lakh to ₹128,078.

A ₹10,000 monthly SIP in UTI Credit Risk Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹718,614 today. That's an XIRR (money-weighted annualised return) of 7.15%.

A ₹10,000 monthly SIP for 10 years in UTI Credit Risk Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,450,312 (multiplier 1.21×). XIRR: 3.71%. 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 - Monthly IDCW ranks #5 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 5.32%; this fund delivered 9.43%.

The worst peak-to-trough decline UTI Credit Risk Fund - Regular Plan - Monthly 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 - Monthly IDCW averaged -1.40% (best 9.44%, worst -8.66%). 28% of rolling windows ended positive. The 5-year Sharpe ratio is 0.39 — weak risk-adjusted performance.

In calendar year 2025, UTI Credit Risk Fund - Regular Plan - Monthly IDCW returned 7.40% — beating the Credit Risk Fund category average of 6.54% by 0.86 pp. It ranked #16 of 30 in its category that year.

UTI Credit Risk Fund - Regular 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 - Regular 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: 0.8%. 5-year CAGR: 9.43%.

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