UTI Credit Risk Fund
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).
Growthvine rating: 1/5 — ranked #12 of 14 in category.
Fund basics
| Category | Debt: Credit Risk |
|---|---|
| NAV | ₹18.28 (as of 2026-08-21) |
| AUM | ₹253 Cr |
| Expense ratio | 1.46% |
| Riskometer | High |
| Fund manager | Anurag Mittal |
| Exit load | For units in excess of 10% of the investment, 1% will be charged for redemption within 365 days |
Performance & risk
| 5-year annualised return | 9.47% |
|---|---|
| Sharpe ratio | 1.14 |
| Standard deviation | 1.02% |
| Max drawdown | -35.08% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 131.0% of NIFTY Credit Risk Bond Index's upside and 45.3% of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | 3.8% | Q4 (Bottom) | #12 of 14 |
| 2025 | 7.4% | Q4 (Bottom) | #12 of 14 |
| 2024 | 7.9% | Q3 | #8 of 14 |
| 2023 | 6.6% | Q3 | #10 of 14 |
| 2022 | 3.9% | Q3 | #9 of 13 |