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OmniAsset › Mutual funds › UTI - Credit Risk Fund.

UTI - Credit Risk Fund.

Credit Risk fund benchmarked to CRISIL Credit Risk Debt B-II Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202620.8575
CategoryCredit Risk
PlanDirect · Growth
Launched25 Oct 2012
Risk labelthe scheme's own riskometerModerately High
Legal benchmarkSEBI Tier-1CRISIL Credit Risk Debt B-II Index
Expense ratiodirect plan, a year0.76%
AUM₹45.1 Cr
Growth of ₹10,000₹16,2472 Sep 2021 to 2 Sep 2026
₹16,247₹14,685₹13,123₹11,561₹10,000Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹16,247 (+10.2% a year) UTI - Credit Risk Fund.

Performance (trailing, annualised)

1Y annualised6.99%
3Y annualised7.84%
5Y annualised10.19%
10Y annualised3.50%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,24,5117.02%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹4,03,9787.63%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,27,9777.66%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 202122.36%
Calendar 20224.67%
Calendar 20237.42%
Calendar 20248.67%
Calendar 20258.11%

Rolling returns

Rolling 1Y · average649 windows since 7 Jan 20145.93%
Rolling 1Y · median8.01%
Rolling 1Y · worst window-32.55%
Rolling 1Y · best window23.21%
Rolling 1Y · windows positive86%
Rolling 3Y · average548 windows since 4 Jan 20164.71%
Rolling 3Y · median8.04%
Rolling 3Y · worst window-9.78%
Rolling 3Y · best window12.07%
Rolling 3Y · windows positive72%
Rolling 5Y · average446 windows since 2 Jan 20183.50%
Rolling 5Y · median0.05%
Rolling 5Y · worst window-2.83%
Rolling 5Y · best window10.46%
Rolling 5Y · windows positive51%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)0.84%
Downside deviation (3Y)0.37%
Maximum drawdown-0.44%

Management

Fund managerMr. Anurag Mittal
Managing since21 Jul 2026

What it holds

SecurityWeight
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 1009.5%
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC7.7%
Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/20317.1%
VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC6.0%
AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC6.0%
TATA PROJECTS LIMITED SR O 8.47 NCD 20NV26 FVRS1LAC5.9%
ADANI POWER LIMITED SR II 8.20 NCD 25JN29 FVRS1LAC5.9%
SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT255.8%
AVANSE FINANCIAL SERVICES LIMITED SR 40 9.60 NCD 30AP27 FVRS1LAC5.8%
ERIS LIFESCIENCES LIMITED STRPP II 8.73 NCD 07JU27 FVRS1LAC4.6%
SectorWeight
Financial22.7%
Materials14.4%
Entities14.3%
Energy & Utilities9.5%
Industrials8.1%

Portfolio disclosed: 93.3% by weight.

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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