MonitorDirect · Growth
UTI - Credit Risk Fund.
UTI Mutual FundIncome/Debt Oriented Schemes - Credit Risk Fund13.7 years
- NAV
- 20.8587
- 15 Sept 2026
- 1Y
- +6.6%
- Trailing CAGR
- AUM
- ₹249.38 Cr
- 31 Aug 2026
- Volatility
- Low
- 6.2% annualized
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+6.6%
- 3Y+7.7%
- 5Y+10.2%
- 10Y+3.5%
- SI+5.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.5%
- 3Y+7.4%
- 5Y+7.6%
- 10Y+5.1%
- Since inception
- +5.4%
- Calendar-day CAGR
- Excess 1Y
- -1.2%
- Category median, same plan and option
- 3Y win rate
- +34%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- Worst rolling 3Y
- -9.8%
- 2589 daily-ending windows
- Median rolling 3Y
- +8.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +52%
- 2106 daily-ending windows
- SIP 3Y XIRR
- +7.4%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 193 recovered episodes
- Longest recovery
- 1504 days
- Trough to prior peak
- Current spell
- 8 days
- Days below latest peak
- Time below peak
- +61%
- NAV observations
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
42
Consistency
36
Risk-adjusted
28
Drawdown
14
Mean
24
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%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
No supporting reads in the current evidence set.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Invesco India Credit Risk Fund
Invesco Mutual Fund
- 1Y
- +8.1%
- 3Y
- +9.6%
- Vol
- 2.9%
- Max DD
- -8.0%
- Sharpe
- 0.75
- 3Y win
- +37%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Axis Credit Risk Fund
Axis Mutual Fund
- 1Y
- +8.5%
- 3Y
- +8.8%
- Vol
- 1.6%
- Max DD
- -3.5%
- Sharpe
- 1.91
- 3Y win
- +63%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
HDFC Credit Risk Fund
HDFC Mutual Fund
- 1Y
- +7.3%
- 3Y
- +8.2%
- Vol
- 1.5%
- Max DD
- -2.6%
- Sharpe
- 2.33
- 3Y win
- +57%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
HSBC Credit Risk Fund
HSBC Mutual Fund
- 1Y
- +6.7%
- 3Y
- +11.8%
- Vol
- 5.8%
- Max DD
- -0.4%
- Sharpe
- 0.96
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER