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DebtCredit Risk FundDirect · Growth

UTI Credit Risk Fund - Direct Plan - Growth Option

UTI · Scheme 120764

₹20.83▼ 0.04%NAV · 2026-09-18
41
Weak FundScore
Start SIP
AUM
₹253 cr
Expense ratio
1.04%
3Y CAGR
7.9%
Risk level
Moderate
Min SIP
₹500
Benchmark
CRISIL Credit Risk Index
Fund manager: Ritesh NambiarExit load: For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
Below average · 41/100

Lags peers on our factors — weigh the risks carefully.

🎯 Suited to short-to-medium horizons and investors wanting stability over growth.

📈 Why it could do well

  • ✓5Y CAGR vs category: +2.3% vs category avg
  • ✓Return stability: rolling-return std 7.4%
  • ✓Volatility: 6% annualised

📉 What could drag it down

  • •Returns have been uneven across periods — less predictable than peers.
  • •Weak risk-adjusted returns (Sharpe -0.12) — took on risk without enough payoff.
  • •3Y CAGR: +7.9%
  • •10Y CAGR: +3.5%

FundScore breakdown

41/100 · Weak
How it works →
31
Returns
Weak
40
Consistency
Weak
25
Risk-adjusted
Weak
48
Downside protection
Average
66
Cost efficiency
Decent
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.