UTI Credit Risk Fund

Q: What are the returns of this mutual fund scheme?

The UTI Credit Risk Fund is a 13 yrs 1 m old fund and has delivered average annual returns of 4.39% since inception. UTI Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.44% 7.32% 9.31% 2.92% 4.39%

Q: How much does this mutual fund charge as expense ratio?

The UTI Credit Risk Fund has an expense ratio of 1.65% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹17.5618+0.0% 1 day change	4.39% p.a.	App exclusive #NA View Ranked Funds	₹258 Cr

Historical NAV & returns

NAV: ₹17.5618 as on Dec 04, 2025

This fund Category average

UTI Credit Risk Fund overview

AUM (Fund size)	₹258 Cr
Exit load	1.0% For units in excess of 10% of the investment,1% will be charged for redemption within 365 days!
Lock-in Period	Nil
Age	13 yrs 1 m since Oct 25, 2012
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.65% as on Nov 30, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Dec 05, 2025

Period	This fund	Category average
1 Month	0.49%	0.41%
3 Months	1.85%	1.61%
6 Months	2.89%	2.87%
1 Year	7.44%	7.51%
2 Years	7.8%	7.77%
3 Years	7.32%	7.41%
4 Years	6.43%	6.44%
5 Years	9.31%	6.22%
7 Years	1.06%	6.85%
10 Years	2.92%	7.08%

Asset allocationas on Oct 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 63.03188204%

SOV 15.88591764%

AAA 9.77403758%

AA- 5.65216211%

Top Debt Holdings

GOI 15.01%

Aadhar Housing Finance Ltd 7.88%

Eris Lifesciences Ltd. 7.86%

Tata Projects Ltd. 7.84%

Allocation by Instruments

Debenture 59.2829919%

GOI Securities 15.004865839999999%

Non Convertible Debenture 9.743989370000001%

Securitised Debt 5.88735223%

Other Holdings

Others 3.18%

Indus Infra Trust 1.91%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Credit Risk Fund	0.49%	2.89%	7.44%	7.32%	9.31%	2.92%
Bank of India Credit Risk Fund	0.47%	3.01%	6.4%	6.02%	25.91%	1.58%
Baroda BNP Paribas Credit Risk Fund	0.51%	3.2%	8.16%	7.9%	9.46%	7.68%
SBI Credit Risk Fund	0.55%	3.15%	8.07%	8.12%	6.73%	7.32%
Aditya Birla Sun Life Credit Risk Fund	0.77%	4.51%	13.61%	10.78%	9.23%	8.2%
ICICI Prudential Credit Risk Fund	0.82%	4.32%	9.56%	8.41%	7.31%	7.86%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Credit Risk Fund	0.78	1.89	1.14	2.03
Bank of India Credit Risk Fund	0.77	0.61	-0.45	-1.42
Baroda BNP Paribas Credit Risk Fund	0.7	1.61	2.02	4.38
SBI Credit Risk Fund	1.2	1.99	1.39	3.98
Aditya Birla Sun Life Credit Risk Fund	2.47	1.92	1.66	6.36
ICICI Prudential Credit Risk Fund	0.95	2.25	1.98	5.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
UTI Credit Risk Fund	N.A.	258 Cr	13 yrs 1 m	1.65%
Bank of India Credit Risk Fund	N.A.	106 Cr	10 yrs 10 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	199 Cr	10 yrs 11 m	1.61%
SBI Credit Risk Fund	N.A.	2,190 Cr	21 yrs 5 m	1.55%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,073 Cr	10 yrs 8 m	1.67%
ICICI Prudential Credit Risk Fund	N.A.	5,916 Cr	15 yrs	1.4%

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	4.08 vs. 5.02 Underperformed at beating benchmark
Sharpe	1.14 vs. 5.52 Poor risk-adjusted returns
Beta	1.89 vs. 2.81 Less sensitive to market ups & downs
Standard deviation	0.78 vs. 1.98 More stable returns

Compare UTI Credit Risk Fund in detail with

About this fund

About UTI Credit Risk Fund

UTI Credit Risk Fund is a Credit Risk mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 13 yrs 1 m, having been launched on 25/10/2012. UTI Credit Risk Fund has ₹258 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Credit Risk Fund as of 04/12/2025 is ₹17.56. The fund has an expense ratio of 1.65%, which is higher than what most other Credit Risk funds charge.

UTI Credit Risk Fund returns of last 1-year are 7.43%. Since launch, it has delivered 4.41% average annual returns.
UTI Credit Risk Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Aadhar Housing Finance Ltd, Eris Lifesciences Ltd., Tata Projects Ltd., Vedanta Ltd - Pref. Shares 7.50.

...

Fund AUM	258 Cr as on Oct 31, 2025
Scheme document	View Scheme Document

Fund managers

Abhishek Sonthalia

Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder. Prior to joining UTI Mutual Fund, he has worked with Tata Mutual Fund, CRISIL Ltd. and TCS.

Investment objective

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).

UTI Mutual Fund details

No. of schemes	63 view all schemes
Total AUM	3,79,176 Cr as on Sep 30, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
UTI CRISIL SDL Maturity April 2033 Index Fund	N.A.	328 Cr	6.24%	7.71%
UTI Corporate Bond Fund	N.A.	5,708 Cr	7.98%	7.59%
UTI Gilt Fund with 10 year Constant Duration	N.A.	140 Cr	6.83%	7.56%
UTI Money Market Fund	N.A.	20,352 Cr	7.56%	7.56%
UTI Low Duration Fund	N.A.	2,814 Cr	7.66%	7.48%
UTI Short Duration Fund	N.A.	3,381 Cr	7.57%	7.46%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Credit Risk Fund?

The current Net Asset Value (NAV) of the UTI Credit Risk Fund plan is approximately ₹17.5618 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The UTI Credit Risk Fund is a 13 yrs 1 m old fund and has delivered average annual returns of 4.39% since inception.

UTI Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.44%	7.32%	9.31%	2.92%	4.39%

How much does this mutual fund charge as expense ratio?

The UTI Credit Risk Fund has an expense ratio of 1.65%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The UTI Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 258 Cr as on Oct 31, 2025.

To whom does UTI Credit Risk Fund lend to?

The top 3 debt holdings of UTI Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	15.01%
Aadhar Housing Finance Ltd	7.88%
Eris Lifesciences Ltd.	7.86%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	63.03188204%
SOV	15.88591764%
AAA	9.77403758%

What is risk level of UTI Credit Risk Fund?

This is a Credit Risk fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in UTI Credit Risk Fund?

Redeeming your investments in the UTI Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 5 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: For units in excess of 10% of the investment,1% will be charged for redemption within 365 days