Debt · Income/Debt Oriented Schemes - Credit Risk Fund
UTI - Credit Risk Fund.
Open in live screener →Key metrics
Latest NAV
₹20.91
Day change
0.06%
Volatility
7.3%
Sharpe
0.08
Max drawdown
-34.4%
Expense ratio
0.88%
AUM
₹249 Cr
Category rank
4 / 5
Trailing returns
| Period | 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
|---|---|---|---|---|---|---|---|---|---|
| Return | 0.33% | 0.48% | 2.39% | 3.56% | 7.05% | 7.88% | 10.24% | 2.38% | 3.51% |
Returns up to 1Y are absolute; 1Y and longer are annualised (CAGR). Source: public AMFI NAV data.
NAV history
Chart shows the fund's available daily NAV history. Daily NAV data begins around 2006, so older funds may predate this range.
About this fund
UTI - Credit Risk Fund. is a corporate-debt fund offered by UTI Mutual Fund, classified under Debt as Income/Debt Oriented Schemes - Credit Risk Fund. Returns and risk depend on the credit quality and duration of the bonds held. Its latest NAV is ₹20.91, with assets under management of about ₹249 Cr (April - June 2026).
Performance analysis
Over the trailing one year, UTI - Credit Risk Fund. has recorded a return of about 7.0%, with a three-year return of 7.9% and a five-year return of 10.2%. Its annualised volatility is 7.3% — relatively low fluctuations — and its Sharpe ratio is 0.08, a measure of return per unit of risk taken. The direct-plan base expense ratio is 0.88%, deducted daily from the NAV.
Rolling returns
| Window | Avg | Median | Min | Max | % Pos | % >12 |
|---|---|---|---|---|---|---|
| 1Y | 4.01 | 7.23 | -32.80 | 23.34 | 80% | 11% |
| 3Y | 2.13 | 6.69 | -9.80 | 12.07 | 58% | 0% |
| 5Y | 2.55 | -0.38 | -2.84 | 10.32 | 42% | 0% |
| 7Y | 1.69 | 1.66 | 1.38 | 2.38 | 100% | 0% |
| 10Y | 3.58 | 3.57 | 3.50 | 3.66 | 100% | 0% |
Each row takes every possible start date in the fund's history and computes the annualised return (CAGR) over that window. Avg/Median = the typical outcome; Min/Max = worst and best; % Pos = how often the window ended positive; % >12 = how often it beat 12% a year. Higher consistency means timing mattered less.
Frequently asked questions
What does UTI - Credit Risk Fund. invest in?
It invests primarily in bonds issued by companies and institutions.
How is this fund classified?
It is a Income/Debt Oriented Schemes - Credit Risk Fund fund in the Debt group.
How often is the NAV updated?
Mutual fund NAVs are declared by the AMC on every business day. This page sources NAV from public AMFI data and refreshes twice daily.
What is its expense ratio?
0.88% (direct plan, base expense ratio), deducted daily from the NAV. Some platforms quote a higher all-in Total TER — verify with the AMC.
How is the rolling return calculated?
Rolling return averages the fund's annualised return over every possible window of a given length across its history, rather than a single start-to-end period — reducing the effect of one lucky or unlucky entry date.
Is past performance a guarantee of future returns?
No. Past performance does not indicate future results; mutual fund values fluctuate with markets. Read all scheme-related documents carefully before investing.
Compare with peers
Similar Income/Debt Oriented Schemes - Credit Risk Fund
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| HDFC Credit Risk Fund Income/Debt Oriented Schemes - Credit Risk Fund | 0.41 | 2.73 | 4.05 | 7.77 | 8.30 | 7.18 | 7.95 | – |
| Axis Credit Risk Fund Income/Debt Oriented Schemes - Credit Risk Fund | 0.49 | 2.95 | 4.60 | 8.84 | 8.88 | 7.72 | 7.76 | 0.68 |
| Invesco India Credit Risk Fund Income/Debt Oriented Schemes - Credit Risk Fund | 0.33 | 2.39 | 4.95 | 8.32 | 9.69 | 8.45 | 6.64 | 0.24 |
| HSBC Credit Risk Fund Income/Debt Oriented Schemes - Credit Risk Fund | 0.60 | 2.29 | 3.65 | 6.83 | 11.82 | – | – | 0.81 |
More funds from UTI
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| UTI - Gold Exchange Traded Fund Exchange Traded Funds (ETFs) - Gold ETF | 1.87 | -1.35 | -4.24 | 42.11 | 36.08 | 25.39 | -26.92 | 0.00 |
| UTI - Money Market Fund Debt Scheme - Money Market Fund | 0.67 | 2.23 | 3.61 | 6.69 | 7.44 | 6.73 | 6.75 | 0.13 |
| UTI - Liquid Fund Income/Debt Oriented Schemes - Liquid Fund | 0.57 | 1.74 | 3.51 | 6.56 | 6.99 | 6.36 | 6.14 | 0.14 |
| UTI - Large Cap Fund Equity Scheme - Large Cap Fund | -1.97 | 4.15 | 0.80 | -2.34 | 7.92 | 7.23 | 11.35 | 0.77 |
| UTI - Flexi Cap Fund. Equity Scheme - Flexi Cap Fund | -1.11 | 10.53 | 12.52 | -0.01 | 8.54 | 5.37 | 11.84 | 0.83 |
| UTI Large & Mid Cap Fund Equity Scheme - Large & Mid Cap Fund | -1.74 | 3.94 | 3.76 | 5.63 | 15.29 | 14.51 | 13.97 | 0.77 |
| UTI Aggressive Hybrid Fund Hybrid Scheme - Aggressive Hybrid Fund | -2.03 | 3.12 | 1.15 | 2.34 | 10.97 | 11.39 | 11.68 | 0.97 |
| UTI - MNC Fund Sectoral/Thematic - MNC | -2.61 | 4.64 | 6.59 | 1.29 | 9.24 | 8.54 | 10.44 | 1.00 |
Returns ≥ 1Y are annualised (CAGR). TER = direct-plan base expense ratio. Click a fund to open its page.