UTI Credit Risk Fund
- NAV as on 25 Sep 2026
- ₹18.32-0.02%1 day
- Return since launch
- 4.5%
- 52-week range
- ₹17.33 — ₹18.36
- AUM
- ₹249 Cr
UTI Credit Risk Fund is a Credit Risk debt fund from UTI Mutual Fund with ₹249 Cr under management, launched in 2012. Over three years it has returned 6.7% a year, against 9.0% for its category. The expense ratio is 1.69% and the SEBI riskometer reading is Moderately High.
Performance
UTI Credit Risk Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +5.7% against +5.9% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 5.7% | −2.2 pts | 7.9% | 6.0% |
| 2Y | 6.1% | −2.4 pts | 8.5% | 6.4% |
| 3Y | 6.7% | −2.3 pts | 9.0% | 6.8% |
| 5Y | 6.7% | −2.4 pts | 9.1% | 6.8% |
| 7Y | 6.9% | −1.8 pts | 8.7% | 6.6% |
| 10Y | 4.3% | −1.8 pts | 6.2% | 6.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.1% | 0.0 pts | 0.1% | 0.1% |
| 3M | 1.1% | −0.1 pts | 1.2% | 1.0% |
| 6M | 3.2% | −1.4 pts | 4.6% | 3.4% |
| 1Y | 5.7% | −2.2 pts | 7.9% | 5.9% |
| 2Y | 6.5% | −2.6 pts | 9.1% | 6.8% |
| 3Y | 7.0% | −2.0 pts | 9.0% | 7.1% |
| 5Y | 7.6% | −1.5 pts | 9.1% | 6.3% |
| 7Y | 2.4% | −4.8 pts | 7.2% | 6.5% |
| 10Y | 2.5% | −3.6 pts | 6.2% | 6.7% |
Since launch (25 Oct 2012): 4.5%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 7.4% | −3.9 pts | 11.3% |
| 2024 | 7.8% | −0.9 pts | 8.7% |
| 2023 | 6.6% | −2.1 pts | 8.7% |
| 2022 | 3.9% | −11.9 pts | 15.7% |
| 2021 | 21.5% | +13.3 pts | 8.2% |
| 2020 | -27.8% | −28.7 pts | 1.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.43%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.24%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.19%
- Exit load
- For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Credit Risk Debt B-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 1.14 | 1.60 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 1.92 | 6.49 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.02 | 3.36 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Credit Risk Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt92.3%
- Other7.7%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| JTPM Metal Traders Ltd. | Metals & Mining | 7.78% | ₹19.40 Cr | +6.28% | — | — |
| Piramal Finance Ltd. | Financial | 7.22% | ₹18.01 Cr | +7.07% | +7.13% | +6.82% |
| Others | Others | 6.07% | ₹15.15 Cr | +1.58% | +1.53% | +1.39% |
| Vedanta Ltd - Pref. Shares 7.50 | Metals & Mining | 6.07% | ₹15.13 Cr | +5.99% | +5.90% | +7.34% |
| Aadhar Housing Finance Ltd | Financial | 6.04% | ₹15.06 Cr | +5.98% | +5.92% | +7.42% |
| Tata Projects Ltd. | Construction | 6.03% | ₹15.03 Cr | +5.97% | +5.87% | +7.36% |
| Adani Power Ltd. | Energy | 5.98% | ₹14.91 Cr | +5.92% | +5.83% | — |
| Shivshakti Securitisation Trust | Others | 5.85% | ₹14.58 Cr | +5.82% | +5.85% | — |
| Avanse Financial Services Ltd. | Financial | 5.83% | ₹14.54 Cr | +5.77% | +5.66% | +5.30% |
| 360 ONE Wealth Ltd. | Financial | 4.00% | ₹9.98 Cr | +1.99% | +1.95% | +3.65% |
| Aditya Birla Digital Fashion Ventures Ltd. | Services | 3.99% | ₹9.94 Cr | — | — | — |
| Aditya Birla Renewables Ltd. | Energy | 3.61% | ₹9.01 Cr | +3.58% | +3.53% | +3.32% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 2.98% | ₹7.42 Cr | +2.94% | +2.92% | — |
| Eris Lifesciences Ltd. | Healthcare | 2.61% | ₹6.52 Cr | +2.59% | +2.55% | +3.13% |
| Indus Infra Trust | Construction | 2.20% | ₹5.49 Cr | +2.04% | +2.00% | +1.69% |
| Uttar Pradesh State | Others | 0.90% | ₹2.23 Cr | +0.88% | +0.88% | +0.83% |
| Vedanta Ltd. | Metals & Mining | 0.81% | ₹2.01 Cr | +0.79% | — | — |
| GOI | Sovereign | 0.00% | ₹0.00 Cr | 0.00% | 0.00% | 0.00% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Piramal Finance Ltd. | 7.06% | 7.22% | +0.16% |
| JTPM Metal Traders Ltd. | 7.65% | 7.78% | +0.13% |
| Tata Projects Ltd. | 5.94% | 6.03% | +0.08% |
| Avanse Financial Services Ltd. | 5.75% | 5.83% | +0.08% |
| Aadhar Housing Finance Ltd | 5.96% | 6.04% | +0.08% |
| Vedanta Ltd - Pref. Shares 7.50 | 5.99% | 6.07% | +0.07% |
| Adani Power Ltd. | 5.91% | 5.98% | +0.07% |
| Indus Infra Trust | 2.15% | 2.20% | +0.06% |
| Shivshakti Securitisation Trust | 5.80% | 5.85% | +0.05% |
| 360 ONE Wealth Ltd. | 3.96% | 4.00% | +0.04% |
| Aditya Birla Renewables Ltd. | 3.57% | 3.61% | +0.04% |
| Eris Lifesciences Ltd. | 2.58% | 2.61% | +0.03% |
| Aditya Birla Digital Fashion Ventures Ltd. | 3.96% | 3.99% | +0.03% |
| Godrej Seeds & Genetics Ltd. | 2.95% | 2.98% | +0.03% |
| Others | 0.53% | 0.54% | +0.01% |
| Vedanta Ltd. | 0.80% | 0.81% | +0.01% |
| Uttar Pradesh State | 0.89% | 0.90% | 0.00% |
| GOI | 0.00% | 0.00% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,099 Cr | 1.43% | 10.6% | 10.8% | 11.3% |
 ICICI Prudential Credit Risk Fund | ₹6,333 Cr | 1.43% | 7.2% | 8.1% | 7.9% |
 SBI Credit Risk Fund | ₹2,186 Cr | 1.54% | 7.8% | 7.8% | 7.7% |
 Aditya Birla Sun Life Credit Risk Fund | ₹1,600 Cr | 1.60% | 10.1% | 12.4% | 11.3% |
 DSP Credit Risk Fund | ₹310 Cr | 1.20% | 11.3% | 13.8% | 13.7% |
 Bank of India Credit Risk Fund | ₹68.71 Cr | 1.36% | 16.7% | 11.8% | 15.9% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
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).
Fund managers
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.23% absolute | ₹60,000 | ₹61,938 | 3.23% | |
| 1 year5.66% annualised | ₹1,20,000 | ₹1,23,743 | 3.12% | |
| 3 years6.96% annualised | ₹3,60,000 | ₹4,01,376 | 11.49% | |
| 5 years7.62% annualised | ₹6,00,000 | ₹7,32,156 | 22.03% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.