Uti Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 12
Rating
Growth Option 27-01-2026
NAV ₹17.63(R) +0.02% ₹20.0(D) +0.02%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.95% 7.16% 9.29% 0.92% 2.86%
Direct 7.65% 7.92% 10.08% 1.7% 3.77%
Benchmark
SIP (XIRR) Regular 5.84% 7.1% 7.67% 5.69% 3.74%
Direct 6.6% 7.84% 8.44% 6.44% 4.51%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.89 1.46 0.73 4.29% 0.05
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.8% 0.0% 0.0% 0.3 0.52%
Fund AUM As on: 30/12/2025 260 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Dsp Credit Risk Fund 2
Nippon India Credit Risk Fund 3

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
UTI - Credit Risk Fund (Segregated - 06032020) - Direct Plan - Monthly Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Direct Plan - Flexi Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Direct Plan - Growth Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Quarterly Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Monthly Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Direct Plan - Quarterly Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Half Yearly Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Flexi Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Direct Plan - Half Yearly Dividend Option 0.0
0.0000
%
UTI - Credit Risk Fund (Segregated - 06032020) - Direct Plan - Annual Dividend Option 0.0
0.0000
%
UTI Credit Risk Fund - Regular Plan - Monthly IDCW 10.58
0.0000
0.0200%
UTI Credit Risk Fund - Direct Plan - Monthly IDCW 11.27
0.0000
0.0200%
UTI Credit Risk Fund - Regular Plan - Flexi IDCW 11.44
0.0000
0.0200%
UTI Credit Risk Fund - Regular Plan - Annual IDCW 11.76
0.0000
0.0200%
UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW 11.82
0.0000
0.0200%
UTI Credit Risk Fund - Regular Plan - Quarterly IDCW 12.52
0.0000
0.0200%
UTI Credit Risk Fund - Direct Plan - Annual IDCW 12.69
0.0000
0.0200%
UTI Credit Risk Fund - Direct Plan - Flexi IDCW 12.69
0.0000
0.0200%
UTI Credit Risk Fund - Direct Plan - Half-Yearly IDCW 12.74
0.0000
0.0300%
UTI Credit Risk Fund - Direct Plan - Quarterly IDCW 14.11
0.0000
0.0200%
UTI Credit Risk Fund - Regular Plan - Growth Option 17.63
0.0000
0.0200%
UTI Credit Risk Fund - Direct Plan - Growth Option 20.0
0.0000
0.0200%

Review Date: 27-01-2026

Beginning of Analysis

Uti Credit Risk Fund is the 11th ranked fund in the Credit Risk Fund category. The category has total 13 funds. The Uti Credit Risk Fund has shown a poor past performence in Credit Risk Fund. The fund has a Jensen Alpha of 4.29% which is lower than the category average of 4.86%, showing poor performance. The fund has a Sharpe Ratio of 1.89 which is higher than the category average of 1.82.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Uti Credit Risk Fund Return Analysis

  • The fund has given a return of 0.21%, 1.2 and 2.85 in last one, three and six months respectively. In the same period the category average return was 0.8%, 1.81% and 3.64% respectively.
  • Uti Credit Risk Fund has given a return of 7.65% in last one year. In the same period the Credit Risk Fund category average return was 11.28%.
  • The fund has given a return of 7.92% in last three years and ranked 13.0th out of 14 funds in the category. In the same period the Credit Risk Fund category average return was 9.61%.
  • The fund has given a return of 10.08% in last five years and ranked 5th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.05%.
  • The fund has given a return of 3.77% in last ten years and ranked 12th out of 12 funds in the category. In the same period the category average return was 7.84%.
  • The fund has given a SIP return of 6.6% in last one year whereas category average SIP return is 9.04%. The fund one year return rank in the category is 13th in 14 funds
  • The fund has SIP return of 7.84% in last three years and ranks 13th in 14 funds. Dsp Credit Risk Fund has given the highest SIP return (15.53%) in the category in last three years.
  • The fund has SIP return of 8.44% in last five years whereas category average SIP return is 9.89%.

Uti Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 0.8 and semi deviation of 0.52. The category average standard deviation is 1.99 and semi deviation is 0.8.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.0 and the maximum drawdown is -0.04. The fund has a beta of 0.35 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.15
    0.74
    		-0.06 | 5.15 7 | 14 Good
    3M Return % 1.00
    1.62
    		0.59 | 6.07 7 | 14 Good
    6M Return % 2.45
    3.24
    		1.57 | 7.85 10 | 14 Average
    1Y Return % 6.95
    10.43
    		5.56 | 20.42 13 | 14 Poor
    3Y Return % 7.16
    8.77
    		6.32 | 14.56 13 | 14 Poor
    5Y Return % 9.29
    9.22
    		5.24 | 27.13 4 | 13 Very Good
    7Y Return % 0.92
    6.84
    		0.92 | 10.53 13 | 13 Poor
    10Y Return % 2.86
    6.99
    		2.86 | 9.35 12 | 12 Poor
    1Y SIP Return % 5.84
    8.21
    		4.15 | 15.49 13 | 14 Poor
    3Y SIP Return % 7.10
    9.01
    		6.04 | 14.63 13 | 14 Poor
    5Y SIP Return % 7.67
    9.06
    		5.76 | 20.22 8 | 13 Good
    7Y SIP Return % 5.69
    8.21
    		5.30 | 20.34 12 | 13 Average
    10Y SIP Return % 3.74
    7.46
    		3.74 | 14.07 12 | 12 Poor
    Standard Deviation 0.80
    1.99
    		0.70 | 6.84 5 | 14 Good
    Semi Deviation 0.52
    0.80
    		0.35 | 2.06 5 | 14 Good
    Max Drawdown % 0.00
    -0.05
    		-0.36 | 0.00 10 | 14 Average
    VaR 1 Y % 0.00
    0.00
    		-0.03 | 0.00 13 | 14 Poor
    Average Drawdown % 0.00
    -0.03
    		-0.17 | 0.00 10 | 14 Average
    Sharpe Ratio 1.89
    1.82
    		0.42 | 3.43 7 | 14 Good
    Sterling Ratio 0.73
    0.86
    		0.60 | 1.43 11 | 14 Average
    Sortino Ratio 1.46
    3.05
    		0.32 | 6.02 11 | 14 Average
    Jensen Alpha % 4.29
    4.86
    		-6.63 | 15.50 9 | 14 Average
    Treynor Ratio 0.05
    0.03
    		-0.56 | 0.30 8 | 14 Good
    Modigliani Square Measure % 10.25
    8.03
    		2.24 | 12.71 4 | 14 Very Good
    Alpha % -1.65
    -0.50
    		-2.96 | 3.67 12 | 14 Average
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.21 0.80 0.02 | 5.19 7 | 14 Good
    3M Return % 1.20 1.81 0.84 | 6.17 7 | 14 Good
    6M Return % 2.85 3.64 2.08 | 8.06 9 | 14 Average
    1Y Return % 7.65 11.28 6.63 | 21.38 13 | 14 Poor
    3Y Return % 7.92 9.61 7.37 | 15.47 13 | 14 Poor
    5Y Return % 10.08 10.05 6.27 | 27.53 5 | 13 Good
    7Y Return % 1.70 7.67 1.70 | 10.86 13 | 13 Poor
    10Y Return % 3.77 7.84 3.77 | 9.63 12 | 12 Poor
    1Y SIP Return % 6.60 9.04 5.21 | 16.19 13 | 14 Poor
    3Y SIP Return % 7.84 9.85 7.10 | 15.53 13 | 14 Poor
    5Y SIP Return % 8.44 9.89 6.80 | 20.64 8 | 13 Good
    7Y SIP Return % 6.44 9.03 6.32 | 20.73 12 | 13 Average
    10Y SIP Return % 4.51 8.27 4.51 | 14.39 12 | 12 Poor
    Standard Deviation 0.80 1.99 0.70 | 6.84 5 | 14 Good
    Semi Deviation 0.52 0.80 0.35 | 2.06 5 | 14 Good
    Max Drawdown % 0.00 -0.05 -0.36 | 0.00 10 | 14 Average
    VaR 1 Y % 0.00 0.00 -0.03 | 0.00 13 | 14 Poor
    Average Drawdown % 0.00 -0.03 -0.17 | 0.00 10 | 14 Average
    Sharpe Ratio 1.89 1.82 0.42 | 3.43 7 | 14 Good
    Sterling Ratio 0.73 0.86 0.60 | 1.43 11 | 14 Average
    Sortino Ratio 1.46 3.05 0.32 | 6.02 11 | 14 Average
    Jensen Alpha % 4.29 4.86 -6.63 | 15.50 9 | 14 Average
    Treynor Ratio 0.05 0.03 -0.56 | 0.30 8 | 14 Good
    Modigliani Square Measure % 10.25 8.03 2.24 | 12.71 4 | 14 Very Good
    Alpha % -1.65 -0.50 -2.96 | 3.67 12 | 14 Average
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Uti Credit Risk Fund NAV Regular Growth Uti Credit Risk Fund NAV Direct Growth
    27-01-2026 17.6263 19.9958
    23-01-2026 17.6234 19.9909
    22-01-2026 17.6195 19.9861
    21-01-2026 17.6068 19.9713
    20-01-2026 17.6042 19.9679
    19-01-2026 17.605 19.9684
    16-01-2026 17.6061 19.9684
    14-01-2026 17.612 19.9742
    13-01-2026 17.6232 19.9865
    12-01-2026 17.6283 19.9919
    09-01-2026 17.6219 19.9834
    08-01-2026 17.6069 19.9659
    07-01-2026 17.6099 19.9689
    06-01-2026 17.6106 19.9693
    05-01-2026 17.6086 19.9665
    02-01-2026 17.612 19.9691
    01-01-2026 17.615 19.9721
    31-12-2025 17.6102 19.9662
    30-12-2025 17.6004 19.9547
    29-12-2025 17.5994 19.9532

    Fund Launch Date: 25/Oct/2012
    Fund Category: Credit Risk Fund
    Investment Objective: The investment objective of the scheme is to generate reasonable income and capital appreciation by investing minimum of 65% of total assets in AA and below rated corporate bonds (excluding AA+ rated corporate bonds). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
    Fund Description: An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds)
    Fund Benchmark: CRISIL Short Term Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.