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UTI - Credit Risk Fund. - Regular Plan - Growth

NAVs of 8 Nov 2026

UTI Mutual Fund · Debt fund · Regular plan · Growth

Credit RiskRegular · GrowthRisk: Moderately High
NAV · 6 Nov 2026
₹18.3909 ▼ 0.01%
UTI Mutual Fund
Fund size₹251 crJuly - September 2026
1-month range₹18.27 – 18.39
1 year+5.14%rank 16 of 17
Expense ratio1.43%regular plan, a year
5 years+6.16%a year

What the fund does

The investment objective of 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). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

BenchmarkCRISIL Credit Risk Debt B-II Index
Launched19 Nov 2012
Fund houseUTI Mutual Fund
Fund managersAnurag Mittal FM 1Not Applicable FM 2Not Applicable FM 3Not Applicable FM 4

NAV history

181818 2026-08-112026-08-242026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+0.43%avg 0.5%
1 month
+0.32%avg 0.4%
3 months
+0.60%avg 0.8%
6 months
+2.64%avg 3.3%
This year
+4.43%avg 7.1%
1 year
+5.14%avg 7.9% · #16/17
3 years (a year)
+6.96%avg 8.7% · #16/17
5 years (a year)
+6.16%avg 9.9% · #13/16

Bars: this plan; the thin mark is the Credit Risk average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024+0.4
2025+0.7+0.5+0.8+1.0+1.0+0.1+0.7+0.2+0.6+0.7+0.5+0.3
2026+0.2+0.7-0.1+0.6+0.2+1.4+0.4+0.4+0.2-0.1+0.4

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings2324 lines in all
Top 10 holdings67.5%of the fund
Debt80.6%bonds, government securities
Money market11.4%CDs, CPs, treasury bills

Where the money is

Debt 80.6%Money market 11.4%Cash & others 7.9%

Credit quality (debt and money market)

AA
43.5%
AA+
20.5%
Sovereign
11.4%
AA-
10.1%
AAA
5.9%
Unrated / other
0.6%

Changes since 31 Aug 2026

Share of fund30 Sept 202631 Aug 2026Change
Debt80.6%76.9%+3.69
Money market11.4%15.4%-3.92
Cash & others7.9%7.7%+0.23

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 1

HoldingSector / type% of fund
CLEARING CORPORATION OF INDIA LTD. STD - MARGIN–0.05%

Bonds, money market and cash 23

HoldingSector / type% of fund
7.10% GSEC - MAT - 08/04/2034
IN0020240019		SOV9.71%
SPN/DDB JTPM METAL TRADERS LIMITED
INE02PE08036		CRISIL-AA8.04%
NCD PIRAMAL FINANCE LIMITED
INE516Y07444		ICRA-AA+7.20%
NET CURRENT ASSETS–6.91%
NCD VEDANTA ALUMINIUM METAL LTD.
INE205A08020		ICRA-AA+6.26%
NCD AADHAR HOUSING FINANCE LIMITED
INE883F07330		ICRA-AA+6.24%
NCD TATA PROJECTS LTD
INE725H08162		IND-AA6.22%
NCD ADANI POWER LTD.
INE814H07208		IND-AA6.18%
NCD AVANSE FINANCIAL SERVICES LIMITED
INE087P07451		CRISIL-AA-6.03%
07.73% XIRR PTC- SHIVSHAKTI SECURITISATION TRUST-28/09/2029
INE2I7G15010		CRISIL-AAA(SO)5.93%
NCD DMI FINANCE PRIVATE LIMITED
INE604O07225		ICRA-AA5.70%
NCD ERIS LIFESCIENCES LTD
INE406M08029		IND-AA4.77%
NCD ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED
INE0M8D08032		CRISIL-AA-4.10%
NCD ADITYA BIRLA RENEWABLES LTD
INE01QP08016		CRISIL-AA3.73%
NCD GODREJ SEEDS AND GENETICS LIMITED
INE316Z08055		CRISIL-AA3.07%
NCD GODREJ SEEDS AND GENETICS LIMITED
INE316Z08063		CRISIL-AA3.06%
NCD ERIS LIFESCIENCES LTD
INE406M08011		IND-AA2.70%
7.79% UTTARPRADESH SDL 29/03/2033
IN3320220186		SOV0.91%
NCD VEDANTA LTD
INE205A08095		CRISIL-AA+0.83%
6.54% GSEC MAT - 17/01/2032
IN0020210244		SOV0.81%
INVIT - IRB INVIT FUND
INE183W23014		-0.81%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS
INF0RQ622028		-0.56%
INVIT - INDUS INFRA TRUST
INE0NHL23019		-0.20%

From the fund house's monthly portfolio (d3ce1o48hc5oli.cloudfront.net), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility1.0%yearly, from daily NAVs
Worst fall-34.87%31 May 2019 → 31 Aug 2020
RiskometerModerately HighModerately High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Where it can invest (limits from the scheme document)

Corporate debt rated AA and below
65–100%
Debt (other than that stated above) and Money market instruments
0–35%
Units issued by InvITs
0–10%

The ranges the fund is allowed to hold, not what it holds today.

Fund details

Fund size (average AUM, July - September 2026)₹251 cr across all plans · this plan ₹201 cr
Fund houseUTI Mutual Fund
CategoryDebt · Credit Risk
PlanRegular
OptionGrowth
Expense ratio (TER)Direct 0.76% · Regular 1.43% (6 Nov 2026)
Exit loadRedemption/Switch out (a) within 12 months from date of allotment – i. up to 10% of allotted Units - NIL ii. beyond 10% of allotted Units - 1.00% (b) After 12 months from the date of allotment - NIL
Minimum investmentRegular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular PlanGrowth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular PlanQuarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCWRs.20000. "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:" · additional Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular Plan-Half-yearly Payout of IDCW-Rs.500, Regular Plan-Growth-Rs.500, Regular Plan-Flexi Reinvestment of IDCW-Rs.500, Regular Plan-Flexi Payout of IDCW-Rs.500, Regular Plan-Annual Reinvestment of IDCW-Rs.500, Regular Plan-Annual Payout of IDCW-Rs.500, Direct Plan-Monthly Reinvestment of IDCW-Rs.500, Direct Plan-Monthly Payout of IDCW-Rs.500, Direct Plan-Flexi Reinvestment of IDCW-Rs.500, Direct Plan-Flexi Payout of IDCW-Rs.500, Direct Plan-Half-yearly Reinvestment of IDCW-Rs.500, Direct Plan-Half-yearly Payout of IDCW-Rs.500, Direct Plan-Annual Reinvestment of IDCW-Rs.500, Direct Plan-Annual Payout of IDCW-Rs.500, Direct Plan-Growth-Rs.500, Direct Plan-Quarterly Reinvestment of IDCW-Rs.500, Direct Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Monthly Reinvestment of IDCW-Rs.500, Regular Plan-Monthly Payout of IDCW-Rs.500, Regular Plan-Half-yearly Reinvestment of IDCW-Rs.500, Regular Plan-Half-yearly Payout of IDCW-Rs.500, Regular Plan-Growth-Rs.500, Regular Plan-Flexi Reinvestment of IDCW-Rs.500, Regular Plan-Flexi Payout of IDCW-Rs.500, Regular Plan-Quarterly Reinvestment of IDCW-Rs.500, Regular Plan-Quarterly Payout of IDCW-Rs.500, Direct Plan-Monthly Reinvestment of IDCW-Rs.500, Direct Plan-Monthly Payout of IDCW-Rs.500, Direct Plan-Flexi Reinvestment of IDCW-Rs.500, Direct Plan-Flexi Payout of IDCW-Rs.500, Direct Plan-Half-yearly Reinvestment of IDCW-Rs.500, Direct Plan-Half-yearly Payout of IDCW-Rs.500, Direct Plan-Annual Reinvestment of IDCW-Rs.500, Direct Plan-Annual Payout of IDCW-Rs.500, Direct Plan-Growth-Rs.500, Direct Plan-Quarterly Reinvestment of IDCW-Rs.500, Direct Plan-Quarterly Payout of IDCW-Rs.500, Regular Plan-Annual Reinvestment of IDCW-Rs.500, Regular Plan-Annual Payout of IDCW-Rs.500, "Note - Fresh subscriptions in Income Distribution Cum Capital Withdrawal (IDCW) option through all modes such as Lump Sum mode (including Switches) and fresh registration of Systematic Investment Plan (SIP) and/or Systematic Transfer Plan (STP) registration, special products/features in the scheme is discontinued w.e.f. September 04, 2026:"
Scheme code (AMFI)117981
ISININF789F01QZ1
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · Growth₹20.9729+5.87%
Direct · IDCW₹14.7995+5.87%
Direct · IDCW₹11.3444+0.46%
Direct · IDCW₹13.3060+5.87%
Direct · IDCW₹13.3610+5.90%
Direct · IDCW₹13.3102+5.87%
Regular · IDCW₹13.0634+5.14%
Regular · IDCW₹11.0440+5.14%
Regular · IDCW₹12.2719+5.14%
Regular · IDCW₹11.9386+5.14%
Regular · IDCW₹12.3366+5.13%

Top Credit Risk funds (regular plans)

Fund1 year3 years (a year)
DSP Credit Risk Fund+9.79%+12.93%
Aditya Birla Sun Life Credit Risk Fund+10.61%+12.09%
HSBC Credit Risk Fund+5.23%+10.82%
BANK OF INDIA CREDIT RISK FUND+17.15%+10.06%
BANK OF INDIA CREDIT RISK FUND+16.65%+9.64%
Axis Credit Risk Fund+7.77%+8.81%
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)+7.53%+8.39%
ICICI Prudential Credit Risk Fund+6.73%+8.29%
UTI - Credit Risk Fund.+5.14%+6.96%

All Credit Risk funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of UTI - Credit Risk Fund. - Regular Plan - Growth today?

₹18.3909 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of UTI - Credit Risk Fund. - Regular Plan - Growth?

1 year: 5.14%, 3 years: 6.96% a year, 5 years: 6.16% a year

How does UTI - Credit Risk Fund. rank in its category?

16 of 17 Credit Risk funds (regular plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.