UTI - Credit Risk Fund.

Credit RiskDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

UTI - Credit Risk Fund. is a Credit Risk fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹241 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.6% a year and its Regular plan returned 6.8% a year.

NAV (Direct plan): ₹20.88; ▲ 0.02%30-10-2026
NAV (Regular plan): ₹18.31; ▲ 0.02%30-10-2026
Expense ratio: 0.76%Direct1.43%Regular; 0.76%; A year
Riskometer: Moderately High; Set by the fund house
3 year return: 7.6%Direct6.8%Regular; 7.6%; A year

UTI - Credit Risk Fund. NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹20.88 (up 0.02% that day); Regular Plan Growth ₹18.31 (up 0.02% that day).

This fund (Direct plan)

₹20.8798

UTI - Credit Risk Fund. Returns vs Credit Risk Funds

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−0.04%	+0.68%	+2.84%	+5.61%	+7.57%	+6.83%	+3.33%
This fund (Regular)	−0.10%	+0.51%	+2.50%	+4.88%	+6.84%	+6.07%	+2.46%
Credit Risk average	−0.04%	+0.78%	+3.31%	+7.84%	+9.41%	+9.83%	+6.82%
Best in Credit Risk	+0.23%	+1.32%	+3.89%	+16.97%	+13.69%	+27.83%	+9.17%
Worst in Credit Risk	−0.17%	+0.35%	+2.76%	+5.00%	+7.09%	+6.26%	+2.38%
Rank in Credit Risk	6/13	10/13	12/13	12/13	12/13	10/12	10/11

Category rows compare the Direct plans of 13 Credit Risk funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Credit Risk Debt B-II Index. Returns of that index are not available to us, so the category average is the comparison.

UTI - Credit Risk Fund. Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+4.58%	+3.98%
2025	+8.11%	+7.42%
2024	+8.67%	+7.89%
2023	+7.42%	+6.59%
2022	+4.67%	+3.86%
2021	+22.36%	+21.48%

UTI - Credit Risk Fund. Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,618 periods, one for each trading day from 04-01-2016 to 30-10-2026.

−10%−5%0%5%10%15%

Nov 2013
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025

UTI - Credit Risk Fund. (Direct)Category average, 13 Credit Risk funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	3,094	8.0%	−32.8%	23.3%	14%	8.8%	45%
2 years	2,859	8.3%	−16.8%	13.9%	17%	8.3%	51%
3 years	2,618	8.0%	−9.8%	12.3%	28%	7.8%	48%
5 years	2,135	0.1%	−2.8%	10.6%	48%	6.9%	33%
7 years	1,653	1.8%	1.0%	7.7%	0%	7.0%	0%
10 years	925	4.0%	3.3%	4.7%	0%	7.5%	0%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	154	7.9%	−41.3%	37.2%	12%	8.8%	46%
2 years	142	8.4%	−26.5%	16.0%	17%	8.4%	49%
3 years	130	8.0%	−19.3%	11.8%	15%	7.8%	49%
5 years	106	5.7%	−10.3%	10.1%	22%	7.0%	26%
7 years	82	2.3%	−5.0%	7.6%	23%	6.4%	0%
10 years	46	3.8%	2.7%	5.1%	0%	7.0%	0%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

UTI - Credit Risk Fund. Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	UTI - Credit Risk Fund. (Direct)This fund	Category average
Return (CAGR)	+5.61%	+7.84%
Standard deviation	1.01%	1.21%
Sharpe ratio	0.36	2.14
Sortino ratio	0.52	3.69
Maximum drawdown	−0.44% (21-05-2026)	−0.36% (23-10-2026)

From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Credit Risk Fund. (Direct)This fund	Category average
Return (CAGR)	+7.57%	+9.43%
Standard deviation	0.85%	1.13%
Sharpe ratio	1.82	3.03
Sortino ratio	2.91	6.53
Maximum drawdown	−0.44% (21-05-2026)	−0.36% (23-10-2026)

From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Credit Risk Fund. (Direct)This fund	Category average
Return (CAGR)	+6.83%	+8.38%
Standard deviation	0.91%	1.12%
Sharpe ratio	1.13	2.30
Sortino ratio	1.60	4.39
Maximum drawdown	−0.79% (06-05-2022)	−1.1% (06-05-2022)

From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Credit Risk Fund. (Direct)This fund	Category average
Return (CAGR)	+3.33%	+7.15%
Standard deviation	7.02%	1.58%
Sharpe ratio	-0.30	1.11
Sortino ratio	-0.34	1.54
Maximum drawdown	−34.4% (27-08-2020)	−3.7% (24-03-2020)

From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	UTI - Credit Risk Fund. (Direct)This fund	Category average
Return (CAGR)	+5.37%	+8.09%
Standard deviation	6.04%	1.51%
Sharpe ratio	-0.11	1.35
Sortino ratio	-0.13	1.87
Maximum drawdown	−34.4% (27-08-2020)	−3.7% (24-03-2020)

From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Drawdowns

How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.

−40%−30%−20%−10%0%

2014201620182020202220242026

UTI - Credit Risk Fund. (Direct)Category average, 13 Credit Risk funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
UTI - Credit Risk Fund. (Direct)	−34.4%	03-06-2019	27-08-2020	09-10-2024	49 months	−0.16%
Category average	−3.7%	14-02-2020	24-03-2020	30-07-2020	4 months	−0.13%

From the Direct plan's daily NAV since 02-01-2013, adjusted for unit splits, and the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

UTI - Credit Risk Fund. vs Other Credit Risk Funds

The five Credit Risk funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
DSP Credit Risk Fund	1/13	326	0.42%	+10.33%	+13.69%	--	--	1.25	7.29	Compare
Aditya Birla Sun Life Credit Risk Fund	2/13	1,657	0.80%	+11.12%	+12.89%	--	--	2.03	10.06	Compare
HSBC Credit Risk Fund	3/13	441	0.84%	+5.68%	+11.54%	--	--	0.86	11.11	Compare
Bank of India Credit Risk Fund	4/13	74	0.61%	+16.97%	+10.00%	--	--	0.93	11.45	Compare
ICICI Prudential Credit Risk Fund	5/13	6,320	0.80%	+6.83%	+8.82%	--	--	2.37	3.61	Compare
UTI - Credit Risk Fund.	12/13	241	0.76%	+5.61%	+7.57%	--	--	1.82	2.91

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

UTI - Credit Risk Fund. Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Credit Risk median	Cost rank (1 = cheapest)
Direct	0.65%	0.00%	0.00%	0.11%	0.76%	0.80%	6/13
Regular	1.24%	0.00%	0.00%	0.19%	1.43%	1.51%	4/13

The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Credit Risk funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	4.88%	5.61%	0.73%	₹1,04,880	₹1,05,610
3 years	6.84%	7.57%	0.73% a year	₹1,21,956	₹1,24,473
5 years	6.07%	6.83%	0.76% a year	₹1,34,265	₹1,39,145
10 years	2.46%	3.33%	0.87% a year	₹1,27,510	₹1,38,760

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

UTI - Credit Risk Fund. SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planUTI - Credit Risk Fund. (Direct)	₹16,60,000	₹23,39,970	₹6,79,970	4.8%
Regular planUTI - Credit Risk Fund. (Regular)	₹16,60,000	₹21,99,646	₹5,39,646	4.0%
Category averageCategory average, 13 Credit Risk funds	₹16,60,000	₹29,26,359	₹12,66,359	7.8%

₹0₹10.0 L₹20.0 L₹30.0 L

2014201620182020202220242026

Direct planUTI - Credit Risk Fund. (Direct)Regular planUTI - Credit Risk Fund. (Regular)Category averageCategory average, 13 Credit Risk fundsAmount invested

From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

UTI - Credit Risk Fund. Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

100.0%Cash and others

Asset	Fund	Category
Cash and others	100.0%	20.5%

UTI - Credit Risk Fund. Portfolio Holdings

As on 30-09-2026 · 1 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
NCD YES BANK LTD. BASEL3AT1 · Bond	ICRA-D	0.00%

UTI - Credit Risk Fund. Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.76%
Expense ratio (Regular): 1.43%
Category: Credit Risk
Risk: Moderately High
Benchmark: CRISIL Credit Risk Debt B-II Index
Launch date: 19-11-2012
AUM: ₹241.47 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 120764
ISIN (Direct): INF789F01YB6
Scheme code (Regular): 117981
ISIN (Regular): INF789F01QZ1
NAV history: From 02-01-2013, 13.8 years

Minimum investment: Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular PlanGrowth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular PlanQuarterly R
Minimum additional investment: Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular P
Exit load: For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Tax on UTI - Credit Risk Fund. returns

UTI - Credit Risk Fund. is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹20.8798	30-10-2026
direct	Annual IDCW	₹13.2469	30-10-2026
direct	Discontinued Flexi IDCW	₹13.2511	30-10-2026
direct	Half Yearly IDCW	₹13.3017	30-10-2026
direct	Monthly IDCW	₹11.294	30-10-2026
direct	Discontinued Quarterly IDCW	₹14.7338	30-10-2026
regular	Growth	₹18.3116	30-10-2026
regular	Annual IDCW	₹12.219	30-10-2026
regular	Discontinued Flexi IDCW	₹11.8872	30-10-2026
regular	Half Yearly IDCW	₹12.2834	30-10-2026
regular	Monthly IDCW	₹10.9964	30-10-2026
regular	Discontinued Quarterly IDCW	₹13.007	30-10-2026

About UTI - Credit Risk Fund.

UTI - Credit Risk Fund. is a mutual fund from UTI Mutual Fund. Its category is Credit Risk. It was launched on 19-11-2012. Its benchmark is CRISIL Credit Risk Debt B-II Index. At the end of September 2026 it held 1 securities.

Fund Manager

Anurag Mittal FM 1
Fund manager of UTI - Credit Risk Fund.
Not Applicable FM 2
Fund manager of UTI - Credit Risk Fund.
Not Applicable FM 3
Fund manager of UTI - Credit Risk Fund.
Not Applicable FM 4
Fund manager of UTI - Credit Risk Fund.

See all funds of UTI Mutual Fund

AUM change

September 2026: ₹241.47 Cr; −3.17% from August 2026
August 2026: ₹249.38 Cr; −1.33% from July 2026
July 2026: ₹252.73 Cr; −0.59% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare UTI - Credit Risk Fund. with Other Funds

Returns, risk, costs and the stocks they share, side by side

UTI - Credit Risk Fund. vs DSP Credit RiskCredit Risk
UTI - Credit Risk Fund. vs Aditya Birla Sun Life Credit RiskCredit Risk
UTI - Credit Risk Fund. vs HSBC Credit RiskCredit Risk
UTI - Credit Risk Fund. vs Bank of India Credit RiskCredit Risk
UTI - Credit Risk Fund. vs ICICI Prudential Credit RiskCredit Risk

Compare with any other fund

Frequently Asked Questions for UTI - Credit Risk Fund.

What is the current NAV of UTI - Credit Risk Fund.?

The Direct plan NAV is ₹20.8798. The Regular plan NAV is ₹18.3116, as on 30-10-2026.

What are the returns of UTI - Credit Risk Fund.?

The Direct plan returned +5.61% in 1 year, +7.57% a year over 3 years, +6.83% a year over 5 years. The Regular plan returned +4.88% in 1 year, +6.84% a year over 3 years, +6.07% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of UTI - Credit Risk Fund.?

The Direct plan charges 0.76% a year. The Regular plan charges 1.43% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of UTI - Credit Risk Fund.?

UTI - Credit Risk Fund. managed ₹241.47 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of UTI - Credit Risk Fund.?

At the end of September 2026 the largest holdings were NCD YES BANK LTD. BASEL3AT1 (0.00%). The fund held 1 securities in all.

How do I invest in UTI - Credit Risk Fund.?

Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular PlanGrowth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular PlanQuarterly R. You can invest once or through a monthly SIP.

Who is the fund manager of UTI - Credit Risk Fund.?

Anurag Mittal FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.

What is the exit load of UTI - Credit Risk Fund.?

For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.