Uti Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 13
Rating
Growth Option 26-10-2026
NAV ₹18.29(R) +0.07% ₹20.85(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.79% 6.81% 6.01% 2.3% 2.44%
Direct 5.52% 7.54% 6.77% 3.06% 3.31%
Benchmark
SIP (XIRR) Regular -10.88% 4.44% 5.82% 5.81% 3.75%
Direct -10.22% 5.17% 6.57% 6.57% 4.5%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.27 0.76 0.71 0.48% 0.04
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.02% 0.0% -0.11% 0.38 0.67%
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
Nippon India Credit Risk Fund 2
ICICI Prudential Credit Risk Fund 3

NAV Date: 26-10-2026

Scheme Name NAV Rupee Change Percent Change
UTI Credit Risk Fund - Regular Plan - Monthly IDCW 10.98
0.0100
0.0700%
UTI Credit Risk Fund - Direct Plan - Monthly IDCW 11.28
0.0100
0.0700%
UTI Credit Risk Fund - Regular Plan - Flexi IDCW 11.87
0.0100
0.0700%
UTI Credit Risk Fund - Regular Plan - Annual IDCW 12.2
0.0100
0.0700%
UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW 12.27
0.0100
0.0700%
UTI Credit Risk Fund - Regular Plan - Quarterly IDCW 12.99
0.0100
0.0700%
UTI Credit Risk Fund - Direct Plan - Annual IDCW 13.23
0.0100
0.0700%
UTI Credit Risk Fund - Direct Plan - Flexi IDCW 13.23
0.0100
0.0700%
UTI Credit Risk Fund - Direct Plan - Half-Yearly IDCW 13.28
0.0100
0.0700%
UTI Credit Risk Fund - Direct Plan - Quarterly IDCW 14.71
0.0100
0.0700%
UTI Credit Risk Fund - Regular Plan - Growth Option 18.29
0.0100
0.0700%
UTI Credit Risk Fund - Direct Plan - Growth Option 20.85
0.0200
0.0700%

Review Date: 26-10-2026

Beginning of Analysis

In the Credit Risk Fund category, UTI Credit Risk Fund is the 11th ranked fund. The category has total 13 funds. The 2 star rating shows a poor past performance of the UTI Credit Risk Fund in Credit Risk Fund. The fund has a Jensen Alpha of 0.48% which is lower than the category average of 2.13%, showing poor performance. The fund has a Sharpe Ratio of 1.27 which is lower than the category average of 1.48.
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 -0.11%, 0.61 and 2.59 in last one, three and six months respectively. In the same period the category average return was -0.11%, 0.65% and 3.37% respectively.
  • UTI Credit Risk Fund has given a return of 5.52% in last one year. In the same period the Credit Risk Fund category average return was 7.68%.
  • The fund has given a return of 7.54% in last three years and ranked 12.0th out of thirteen funds in the category. In the same period the Credit Risk Fund category average return was 9.38%.
  • The fund has given a return of 6.77% in last five years and ranked 10th out of twelve funds in the category. In the same period the Credit Risk Fund category average return was 9.79%.
  • The fund has given a return of 3.31% in last ten years and ranked 11th out of eleven funds in the category. In the same period the category average return was 7.46%.
  • The fund has given a SIP return of -10.22% in last one year whereas category average SIP return is -8.41%. The fund one year return rank in the category is 12th in 13 funds
  • The fund has SIP return of 5.17% in last three years and ranks 12th in 13 funds. DSP Credit Risk Fund has given the highest SIP return (12.11%) in the category in last three years.
  • The fund has SIP return of 6.57% in last five years whereas category average SIP return is 8.74%.

UTI Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 1.02 and semi deviation of 0.67. The category average standard deviation is 2.4 and semi deviation is 1.03.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.11. The category average VaR is -0.03 and the maximum drawdown is -0.18. 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 % -0.16
    -0.17
    		-0.40 | 0.19 6 | 13 Good
    3M Return % 0.44
    0.46
    		-0.05 | 1.24 7 | 13 Good
    6M Return % 2.25
    2.98
    		2.01 | 8.13 11 | 13 Average
    1Y Return % 4.79
    6.87
    		3.88 | 16.46 11 | 13 Average
    3Y Return % 6.81
    8.55
    		6.01 | 12.80 12 | 13 Average
    5Y Return % 6.01
    8.95
    		5.22 | 27.39 10 | 12 Poor
    7Y Return % 2.30
    8.00
    		2.30 | 22.45 12 | 12 Poor
    10Y Return % 2.44
    6.63
    		2.44 | 9.42 11 | 11 Poor
    1Y SIP Return % -10.88
    -9.16
    		-11.60 | -1.60 11 | 13 Average
    3Y SIP Return % 4.44
    6.52
    		3.45 | 11.20 12 | 13 Average
    5Y SIP Return % 5.82
    7.90
    		4.94 | 14.41 11 | 12 Poor
    7Y SIP Return % 5.81
    7.59
    		4.35 | 19.45 9 | 12 Average
    10Y SIP Return % 3.75
    7.27
    		3.75 | 14.54 11 | 11 Poor
    Standard Deviation 1.02
    2.41
    		0.86 | 7.39 3 | 14 Very Good
    Semi Deviation 0.67
    1.03
    		0.55 | 2.68 4 | 14 Very Good
    Max Drawdown % -0.11
    -0.19
    		-0.88 | 0.00 7 | 14 Good
    VaR 1 Y % 0.00
    -0.03
    		-0.36 | 0.00 11 | 14 Average
    Average Drawdown % 0.11
    0.14
    		0.00 | 0.48 8 | 14 Good
    Sharpe Ratio 1.27
    1.48
    		0.47 | 2.29 10 | 14 Average
    Sterling Ratio 0.71
    0.89
    		0.63 | 1.48 13 | 14 Poor
    Sortino Ratio 0.76
    1.91
    		0.24 | 5.25 12 | 14 Average
    Jensen Alpha % 0.48
    2.13
    		-0.69 | 8.65 13 | 14 Poor
    Treynor Ratio 0.04
    0.75
    		-0.54 | 10.50 9 | 14 Average
    Modigliani Square Measure % 1.69
    1.98
    		0.63 | 3.06 10 | 14 Average
    Alpha % -1.06
    0.68
    		-2.02 | 6.22 13 | 14 Poor
    Return data last Updated On : Oct. 26, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.11 -0.11 -0.34 | 0.25 7 | 13 Good
    3M Return % 0.61 0.65 0.24 | 1.31 7 | 13 Good
    6M Return % 2.59 3.37 2.52 | 8.36 12 | 13 Average
    1Y Return % 5.52 7.68 4.93 | 16.95 12 | 13 Average
    3Y Return % 7.54 9.38 7.08 | 13.68 12 | 13 Average
    5Y Return % 6.77 9.79 6.25 | 27.81 10 | 12 Poor
    7Y Return % 3.06 8.83 3.06 | 22.84 12 | 12 Poor
    10Y Return % 3.31 7.46 3.31 | 9.72 11 | 11 Poor
    1Y SIP Return % -10.22 -8.41 -10.62 | -1.15 12 | 13 Average
    3Y SIP Return % 5.17 7.36 4.53 | 12.11 12 | 13 Average
    5Y SIP Return % 6.57 8.74 6.01 | 14.85 11 | 12 Poor
    7Y SIP Return % 6.57 8.41 5.38 | 19.87 9 | 12 Average
    10Y SIP Return % 4.50 8.08 4.50 | 14.89 11 | 11 Poor
    Standard Deviation 1.02 2.41 0.86 | 7.39 3 | 14 Very Good
    Semi Deviation 0.67 1.03 0.55 | 2.68 4 | 14 Very Good
    Max Drawdown % -0.11 -0.19 -0.88 | 0.00 7 | 14 Good
    VaR 1 Y % 0.00 -0.03 -0.36 | 0.00 11 | 14 Average
    Average Drawdown % 0.11 0.14 0.00 | 0.48 8 | 14 Good
    Sharpe Ratio 1.27 1.48 0.47 | 2.29 10 | 14 Average
    Sterling Ratio 0.71 0.89 0.63 | 1.48 13 | 14 Poor
    Sortino Ratio 0.76 1.91 0.24 | 5.25 12 | 14 Average
    Jensen Alpha % 0.48 2.13 -0.69 | 8.65 13 | 14 Poor
    Treynor Ratio 0.04 0.75 -0.54 | 10.50 9 | 14 Average
    Modigliani Square Measure % 1.69 1.98 0.63 | 3.06 10 | 14 Average
    Alpha % -1.06 0.68 -2.02 | 6.22 13 | 14 Poor
    Return data last Updated On : Oct. 26, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    26-10-2026 18.2867 20.8499
    23-10-2026 18.2744 20.8348
    22-10-2026 18.2801 20.8408
    21-10-2026 18.2993 20.8624
    19-10-2026 18.3184 20.8834
    16-10-2026 18.3068 20.869
    15-10-2026 18.3033 20.8646
    14-10-2026 18.3129 20.8752
    13-10-2026 18.3197 20.8825
    12-10-2026 18.3138 20.8755
    09-10-2026 18.3308 20.8937
    08-10-2026 18.3286 20.8907
    07-10-2026 18.3328 20.8952
    06-10-2026 18.3394 20.9024
    05-10-2026 18.338 20.9004
    01-10-2026 18.3226 20.8813
    30-09-2026 18.3293 20.8885
    29-09-2026 18.3178 20.875
    28-09-2026 18.3161 20.8727

    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.