mutual funds uti credit risk fund directgrowth

performance

UTI Credit Risk Fund Direct-Growth

Debt: Credit Risk - Growth (Open ended)

UTI Credit Risk Fund Direct-GrowthNAV: 20.68 as on 16 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II Index

NAV: ₹20.68+0.03%

17 Jul 2026

Rolling Returns Analysis

Rolling annualized returns of UTI Credit Risk Fund Direct-Growth across 1Y, 3Y and 5Y windows — average, best, worst returns and percentage of positive return periods.

Metric	1 Yr Rolling Returns	3 Yr Rolling Returns	5 Yr Rolling Returns	7 Yr Rolling Returns
Analysis period	15 Jan, 2014 - 17 Jul, 2026	17 Feb, 2016 - 17 Jul, 2026	15 Mar, 2018 - 17 Jul, 2026	16 Apr, 2020 - 22 Jan, 2026
Average returns	6.19%	4.79%	3.31%	2.18%
Standard deviation	11.73%	7.61%	4.98%	0.52%
Best returns	24.25% 1 year ending on 18 Oct, 2021	13.01% 3 years ending on 05 Oct, 2016	10.80% 5 years ending on 30 Oct, 2018	3.55% 7 years ending on 20 Oct, 2021
Worst returns	-32.84% 1 year ending on 25 Aug, 2020	-9.57% 3 years ending on 15 Sep, 2020	-2.41% 5 years ending on 21 Sep, 2021	1.34% 7 years ending on 16 Sep, 2021
Period with positive return	85.25%	70.41%	54.46%	100.00%
Period with return > 5%	80.58%	66.04%	37.02%	0.00%
Period with return > 10%	34.14%	31.93%	23.29%	0.00%
Period with return > 15%	8.35%	0.00%	0.00%	0.00%
Beat % Category	46.64%	46.51%	25.02%	0.00%
Beat % Benchmark	34.27%	11.76%	2.33%	0.00%

Trailing Returns

Point-to-point returns of UTI Credit Risk Fund Direct-Growth vs category average for YTD, 1M, 6M, 1Y, 3Y, 5Y and 10Y periods — with category rank and total funds count.

-5%

10%

3.6%

5.5%

-7.2%

YTD

0.7%

0.9%

0.7%

1 M

3.6%

4.8%

-5.7%

6 M

6.5%

8.7%

-3.4%

1 Y

7.8%

9.8%

8.2%

3 Y

10.2%

10.1%

9.9%

5 Y

3.6%

7.2%

12.3%

10 Y

Fund

Debt: Credit Risk

CRISIL Credit Risk Debt B-II Index

Name	YTD	1 M	6 M	1 Y	3 Y	5 Y	10 Y	Since Inception
Fund	3.57%	0.69%	3.56%	6.52%	7.82%	10.20%	3.60%	5.41%
Debt: Credit Risk	5.49%	0.89%	4.83%	8.73%	9.79%	10.10%	7.24%	-
CRISIL Credit Risk Debt B-II Index	-7.23%	0.66%	-5.72%	-3.42%	8.17%	9.90%	12.27%	-
Rank in category	12	12	14	12	13	4	12	-
Funds in category	14	14	14	14	14	14	13	-

Period Returns

Calendar-year, quarterly and monthly return history of UTI Credit Risk Fund Direct-Growth. Toggle between bar chart and table view to analyse periodic performance trends.

Returns

Percentile rank

Annual

Quarterly

Monthly

Historical Performance

Track NAV movement and cumulative returns of UTI Credit Risk Fund Direct-Growth across 1M, 6M, 1Y, 3Y, 5Y and since-inception periods. Compare SIP and lumpsum growth over time.

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Frequently Asked Questions

What are the 1-year returns of UTI Credit Risk Fund Direct-Growth?

UTI Credit Risk Fund Direct-Growth has delivered a 1-year return of 6.52% as of 16 Jul 2026. During the same period, its benchmark CRISIL Credit Risk Debt B-II Index returned -3.42%. The fund has outperformed its benchmark over this period.

What are the 3-year returns of UTI Credit Risk Fund Direct-Growth?

UTI Credit Risk Fund Direct-Growth has delivered a 3-year CAGR of 7.82% as of 16 Jul 2026. Its benchmark CRISIL Credit Risk Debt B-II Index returned 8.17% CAGR over the same period. CAGR (Compounded Annual Growth Rate) is the right way to evaluate multi-year mutual fund performance as it smooths out year-to-year volatility.

What are the 5-year returns of UTI Credit Risk Fund Direct-Growth?

UTI Credit Risk Fund Direct-Growth has delivered a 5-year CAGR of 10.20% as of 16 Jul 2026. Its benchmark CRISIL Credit Risk Debt B-II Index returned 9.90% CAGR over the same period. A 5-year track record is considered a more reliable indicator of fund quality than shorter-term performance, as it captures at least one full market cycle.

What are the returns of UTI Credit Risk Fund Direct-Growth since inception?

Since its launch on 31 Dec 2012, UTI Credit Risk Fund Direct-Growth has delivered a CAGR of 5.41%. Since-inception returns reflect the fund's full history and give the most complete picture of long-term performance.

How has UTI Credit Risk Fund Direct-Growth performed vs its category over the long term?

Over the long term, UTI Credit Risk Fund Direct-Growth has ranked 13 out of 14 funds in the Debt: Credit Risk category on a 3-year basis, and 4 out of 14 funds on a 5-year basis. Category rank is one of several factors to consider alongside risk metrics and rolling return consistency when evaluating a fund.

What is the Sharpe ratio of UTI Credit Risk Fund Direct-Growth?

The Sharpe ratio of UTI Credit Risk Fund Direct-Growth is 1.82 (as of 16 Jul 2026). The Sharpe ratio measures how much return the fund generates per unit of risk (volatility) taken. A Sharpe ratio above 1.0 is generally considered good — the higher the ratio, the better the risk-adjusted return.

What is the alpha of UTI Credit Risk Fund Direct-Growth?

The alpha of UTI Credit Risk Fund Direct-Growth is shown in the Alpha, Beta & Sharpe section above.

What is the beta of UTI Credit Risk Fund Direct-Growth?

The beta of UTI Credit Risk Fund Direct-Growth is shown in the Alpha, Beta & Sharpe section above.

What are the rolling returns of UTI Credit Risk Fund Direct-Growth?

The average 1-year and 3-year rolling returns of UTI Credit Risk Fund Direct-Growth is 6.19% and 4.79% respectively. Rolling returns show the fund's annualized return across every possible 1-year and 3-year investment window, making them a far more reliable measure of consistency than point-to-point returns, which depend heavily on the start and end date chosen.

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Metric

1 Yr Rolling Returns

3 Yr Rolling Returns

5 Yr Rolling Returns

7 Yr Rolling Returns

Analysis period

15 Jan, 2014 - 17 Jul, 2026

17 Feb, 2016 - 17 Jul, 2026

15 Mar, 2018 - 17 Jul, 2026

16 Apr, 2020 - 22 Jan, 2026

Average returns

6.19%

4.79%

3.31%

2.18%

Standard deviation

11.73%

7.61%

4.98%

0.52%

Best returns

24.25%

1 year ending on 18 Oct, 2021

13.01%

3 years ending on 05 Oct, 2016

10.80%

5 years ending on 30 Oct, 2018

3.55%

7 years ending on 20 Oct, 2021

Worst returns

-32.84%

1 year ending on 25 Aug, 2020

-9.57%

3 years ending on 15 Sep, 2020

-2.41%

5 years ending on 21 Sep, 2021

1.34%

7 years ending on 16 Sep, 2021

Period with positive return

85.25%

70.41%

54.46%

100.00%

Period with return > 5%

80.58%

66.04%

37.02%

0.00%

Period with return > 10%

34.14%

31.93%

23.29%

0.00%

Period with return > 15%

8.35%

0.00%

Beat % Category

46.64%

46.51%

25.02%

0.00%

Beat % Benchmark

34.27%

11.76%

2.33%

0.00%

Name

YTD

1 M

6 M

1 Y

3 Y

5 Y

10 Y

Since Inception

Fund

3.57%

0.69%

3.56%

6.52%

7.82%

10.20%

3.60%

5.41%

Debt: Credit Risk

5.49%

0.89%

4.83%

8.73%

9.79%

10.10%

7.24%

CRISIL Credit Risk Debt B-II Index

-7.23%

0.66%

-5.72%

-3.42%

8.17%

9.90%

12.27%

Rank in category

Funds in category

Frequently Asked Questions

What are the 1-year returns of UTI Credit Risk Fund Direct-Growth?

What are the 3-year returns of UTI Credit Risk Fund Direct-Growth?

What are the 5-year returns of UTI Credit Risk Fund Direct-Growth?

What are the returns of UTI Credit Risk Fund Direct-Growth since inception?

How has UTI Credit Risk Fund Direct-Growth performed vs its category over the long term?

What is the Sharpe ratio of UTI Credit Risk Fund Direct-Growth?

What is the alpha of UTI Credit Risk Fund Direct-Growth?

The alpha of UTI Credit Risk Fund Direct-Growth is shown in the Alpha, Beta & Sharpe section above.

What is the beta of UTI Credit Risk Fund Direct-Growth?

The beta of UTI Credit Risk Fund Direct-Growth is shown in the Alpha, Beta & Sharpe section above.

What are the rolling returns of UTI Credit Risk Fund Direct-Growth?

UTI Credit Risk Fund Direct-Growth

Rolling Returns Analysis

Trailing Returns

Period Returns

Historical Performance

Compare performance with respect toAdd benchmark

Frequently Asked Questions

Rolling Returns Analysis

Trailing Returns

Period Returns

Historical Performance

Compare performance with respect toAdd benchmark

Frequently Asked Questions

Compare performance with respect to
Add benchmark

Compare performance with respect to
Add benchmark