MonitorDirect · GrowthWatch before adding
UTI - Corporate Bond Fund
UTI Mutual FundIncome/Debt Oriented Schemes - Corporate Bond Fund8.2 years
- NAV
- 17.8432
- 29 Oct 2026
- 1Y
- +4.0%
- Trailing CAGR
- AUM
- ₹4,569.09 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.7% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 57% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer BARODA BNP PARIBAS CORPORATE BOND FUND if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
8.2 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.30% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.0%. Ask whether you can hold through a similar fall.
Vs category
Pass
57% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 39.4% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+4.0%
- 3Y+7.0%
- 5Y+6.2%
- 10Yn/a
- SI+7.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.8%
- 3Y+6.0%
- 5Y+6.5%
- 10Yn/a
- Since inception
- +7.3%
- Calendar-day CAGR
- Excess 1Y
- +0.2%
- Category median, same plan and option
- 3Y win rate
- +57%
- Windows beating the median
- 3Y percentile
- 38
- Vs comparable share classes
- SIP 3Y XIRR
- +6.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.7%
- 1266 daily-ending windows
- Median rolling 3Y
- +6.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 779 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.0%
- Worst peak-to-trough
- Current
- -0.4%
- Below last peak
- Current spell
- 50 days
- Days below latest peak
- Time below peak
- +49%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 202 recovered episodes
- Longest recovery
- 61 days
- Trough to prior peak
6 Mar 2020 – 22 Apr 2020
Trough 23 Mar 2020 · recovered in 30 days
-3.0%
8 Jan 2021 – 6 Apr 2021
Trough 5 Feb 2021 · recovered in 60 days
-1.1%
7 Apr 2022 – 6 Jul 2022
Trough 6 May 2022 · recovered in 61 days
-0.9%
29 Aug 2018 – 23 Oct 2018
Trough 25 Sept 2018 · recovered in 28 days
-0.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
38
Vs category
51
Consistency
56
Risk-adjusted
67
Drawdown
93
Mean
61
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- The fund beat the category median in 57% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 75 holdings · top 10 are 39.4%.
- Top 5
- 26.3%
- Top 10
- 39.4%
- Largest holding
- 10.3%
- Effective holdings
- 35.4
Net Current Assets
Unspecified
10.3%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
5.2%
BAJAJ FINANCE LIMITED 7.3763 NCD 26JU28 FVRS1LAC
Financial
4.3%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC
Financial
3.3%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VII 7.42 BD 12MR29 FVRS1LAC
Financial
3.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BARODA BNP PARIBAS CORPORATE BOND FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 0.52
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Corporate Bond Fund
Kotak Mahindra Mutual Fund
- 1Y
- +3.8%
- 3Y
- +7.1%
- Vol
- 1.1%
- Max DD
- -1.9%
- Sharpe
- 1.31
- 3Y win
- +83%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Franklin India Corporate Bond Fund
Franklin Templeton Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.8%
- Vol
- 2.3%
- Max DD
- -7.4%
- Sharpe
- 1.04
- 3Y win
- +81%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HSBC Corporate Bond Fund
HSBC Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.2%
- Vol
- 1.1%
- Max DD
- -0.7%
- Sharpe
- 0.92
- 3Y win
- +32%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
AXIS Corporate Bond Fund
Axis Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.4%
- Vol
- 2.0%
- Max DD
- -3.8%
- Sharpe
- 0.71
- 3Y win
- +83%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER