MonitorDirect · GrowthWatch before adding
UTI - Credit Risk Fund.
UTI Mutual FundIncome/Debt Oriented Schemes - Credit Risk Fund13.8 years
- NAV
- 20.8756
- 29 Oct 2026
- 1Y
- +5.6%
- Trailing CAGR
- AUM
- ₹249.38 Cr
- 31 Aug 2026
- Volatility
- Low
- 6.2% 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 · Three-year return sits below the 25th percentile of comparable share classes.
Fits if · Risk-adjusted return (Sharpe) is negative over the available daily history.
Prefer peers if · Prefer Invesco India Credit Risk Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.76% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -34.4%. Ask whether you can hold through a similar fall.
Vs category
Fail
34% 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
Watch
Top 10 holdings ≈ 65.8% 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+5.6%
- 3Y+7.6%
- 5Y+6.8%
- 10Y+3.3%
- SI+5.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.3%
- 3Y+6.9%
- 5Y+7.2%
- 10Y+5.0%
- Since inception
- +5.4%
- Calendar-day CAGR
- Excess 1Y
- -0.9%
- Category median, same plan and option
- 3Y win rate
- +34%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +6.9%
- Simulated monthly SIP
- Worst rolling 3Y
- -9.8%
- 2619 daily-ending windows
- Median rolling 3Y
- +8.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +52%
- 2136 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -34.4%
- Worst peak-to-trough
- Current
- -0.2%
- Below last peak
- Current spell
- 52 days
- Days below latest peak
- Time below peak
- +61%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 193 recovered episodes
- Longest recovery
- 1504 days
- Trough to prior peak
3 Jun 2019 – 9 Oct 2024
Trough 27 Aug 2020 · recovered in 1504 days
-34.4%
4 Jul 2013 – 3 Oct 2013
Trough 19 Aug 2013 · recovered in 45 days
-2.9%
9 Apr 2018 – 18 Jun 2018
Trough 17 May 2018 · recovered in 32 days
-0.7%
19 Jun 2013 – 2 Jul 2013
Trough 27 Jun 2013 · recovered in 5 days
-0.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
45
Consistency
36
Risk-adjusted
23
Drawdown
14
Mean
23
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
- Three-year return sits below the 25th percentile of comparable share classes.
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 24 holdings · top 10 are 65.8%.
- Top 5
- 36.7%
- Top 10
- 65.8%
- Largest holding
- 9.6%
- Effective holdings
- 17.8
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
9.6%
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
Materials
7.8%
Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031
Financial
7.2%
VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC
Materials
6.1%
AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC
Financial
6.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Invesco India Credit Risk Fund
Invesco Mutual Fund
- 1Y
- +6.9%
- 3Y
- +8.8%
- Vol
- 2.9%
- Max DD
- -8.0%
- Sharpe
- 0.49
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Axis Credit Risk Fund
Axis Mutual Fund
- 1Y
- +7.2%
- 3Y
- +8.6%
- Vol
- 1.6%
- Max DD
- -3.5%
- Sharpe
- 1.45
- 3Y win
- +62%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
HDFC Credit Risk Fund
HDFC Mutual Fund
- 1Y
- +6.0%
- 3Y
- +8.0%
- Vol
- 1.5%
- Max DD
- -2.6%
- Sharpe
- 1.83
- 3Y win
- +56%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
HSBC Credit Risk Fund
HSBC Mutual Fund
- 1Y
- +5.6%
- 3Y
- +11.5%
- Vol
- 5.7%
- Max DD
- -0.4%
- Sharpe
- 0.80
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER