UTI Credit Risk Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Latest (Updated on 30th Jun 2025)

Crisil Rank
(Updated on 31st Mar 2025)

Crisil Rank
(Updated on 31st Dec 2024)

Crisil Rank
(Updated on 30th Sep 2024)

Crisil Rank
(Updated on 30th Jun 2024)

Crisil Rank

Returns (NAV as on 03rd October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	26-Sep-25	10020.50	0.20%	-	0.30%	11/15
1 Month	03-Sep-25	10077.10	0.77%	-	0.91%	10/15
3 Month	03-Jul-25	10139.60	1.40%	-	1.62%	11/15
6 Month	03-Apr-25	10353.30	3.53%	-	4.76%	12/15
YTD	01-Jan-25	10596.50	5.96%	-	8.73%	13/15
1 Year	03-Oct-24	10764.40	7.64%	7.64%	10.59%	13/15
2 Year	03-Oct-23	11599.90	16.00%	7.69%	9.56%	13/15
3 Year	03-Oct-22	12400.90	24.01%	7.43%	8.74%	13/15
5 Year	01-Oct-20	15696.70	56.97%	9.42%	9.15%	4/15
10 Year	01-Oct-15	13378.90	33.79%	2.95%	6.60%	13/14
Since Inception	19-Nov-12	17375.20	73.75%	4.38%	6.80%	13/14

Returns Calculator

SIP Returns (NAV as on 03rd October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	03-Oct-24	12000	12477.83	3.98 %	7.44 %
2 Year	03-Oct-23	24000	25986.8	8.28 %	7.84 %
3 Year	03-Oct-22	36000	40404.36	12.23 %	7.63 %
5 Year	01-Oct-20	60000	73856.38	23.09 %	8.24 %
10 Year	01-Oct-15	120000	145359.55	21.13 %	3.76 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	0.12%	0.77%	1.40%	3.53%	5.99%	7.64%	7.69%	7.43%	9.42%
Nifty 50	0.23%	0.73%	-2.01%	7.07%	5.28%	-1.41%	12.89%	13.80%	16.84%
Benchmark: CRISIL Credit Risk Debt B-II Index	0.00%	0.69%	1.58%	4.17%	6.81%	8.73%	8.35%	8.50%	7.43%
Category Average	0.11%	0.91%	1.62%	4.76%	8.73%	10.59%	9.56%	8.74%	9.15%
Category Rank	6/14	10/15	11/15	12/15	13/15	13/15	13/15	13/15	4/15
Best in Category	0.19%	1.50%	2.28%	14.70%	19.71%	21.71%	18.82%	14.83%	25.96%
Worst in Category	0.04%	0.61%	0.92%	2.80%	5.18%	6.48%	6.28%	6.05%	5.55%

quartely results (NAV as on 03rd October, 2025)

Period

This Fund

Nifty 50

CRISIL Credit Risk Debt B-II Index

Category Average

2025

5.84%

4.85%

7.9%

Q4 - 2025	0.12%	0.23%	--	0.00%
Q3 - 2025	1.22%	-3.64%	--	1.14%
Q2 - 2025	2.30%	10.15%	--	1.31%
Q1 - 2025	2.00%	-2.43%	--	2.76%

2024

7.85%

8.75%

6.61%

Q4 - 2024	1.56%	-8.34%	--	1.72%
Q3 - 2024	2.64%	6.91%	--	2.25%
Q2 - 2024	1.51%	7.48%	--	1.73%
Q1 - 2024	1.92%	3.31%	--	2.06%

2023

6.59%

19.48%

14.75%

Q4 - 2023	1.49%	11.33%	--	2.31%
Q3 - 2023	1.54%	1.07%	--	1.53%
Q2 - 2023	1.89%	10.29%	--	0.99%
Q1 - 2023	1.52%	-4.60%	--	1.81%

2022

3.86%

3.24%

54.59%

Q4 - 2022	1.75%	7.76%	--	1.54%
Q3 - 2022	1.30%	8.52%	--	1.61%
Q2 - 2022	-0.33%	-10.70%	--	-0.29%
Q1 - 2022	1.02%	-0.91%	--	11.10%

2021

21.37%

23.79%

23.89%

Q4 - 2021	1.66%	-1.02%	--	0.52%
Q3 - 2021	16.98%	12.36%	--	3.87%
Q2 - 2021	1.39%	5.75%	--	1.74%
Q1 - 2021	0.64%	4.80%	--	1.47%

2020

-27.84%

14.77%

-3.37%

Q4 - 2020	2.06%	22.46%	--	1.33%
Q3 - 2020	-8.14%	7.84%	--	2.11%
Q2 - 2020	2.22%	24.82%	--	-3.18%
Q1 - 2020	-24.83%	-29.43%	--	-0.73%

2019

-4.79%

11.53%

0.87%

Q4 - 2019	0.65%	7.12%	--	1.56%
Q3 - 2019	-4.76%	-3.30%	--	1.13%
Q2 - 2019	-2.56%	1.68%	--	-3.74%
Q1 - 2019	1.82%	6.96%	--	1.51%

2018

5.39%

4.09%

3.2%

Q4 - 2018	1.96%	-1.32%	--	1.50%
Q3 - 2018	1.20%	3.29%	--	0.81%
Q2 - 2018	0.38%	4.36%	--	0.77%
Q1 - 2018	1.65%	-2.14%	--	1.79%

2017

6.9%

27.58%

5.27%

Q4 - 2017	1.03%	5.84%	--	0.89%
Q3 - 2017	1.80%	2.54%	--	1.85%
Q2 - 2017	1.89%	3.06%	--	2.21%
Q1 - 2017	2.01%	12.16%	--	2.04%

2016

10.24%

2.72%

8.01%

Q4 - 2016	2.23%	-6.39%	--	2.04%
Q3 - 2016	3.25%	3.40%	--	3.48%
Q2 - 2016	1.45%	7.45%	--	1.43%
Q1 - 2016	2.16%	-2.82%	--	2.27%

2015

8.81%

-4.08%

7.15%

Q4 - 2015	1.73%	-0.06%	--	1.88%
Q3 - 2015	2.65%	-5.96%	--	2.72%
Q2 - 2015	1.72%	-2.54%	--	1.78%
Q1 - 2015	2.48%	2.50%	--	2.51%

2014

11.41%

31.44%

6.59%

Q4 - 2014	3.15%	4.24%	--	3.17%
Q3 -	--	4.32%	--	--
Q2 - 2014	2.98%	13.25%	--	2.77%
Q1 - 2014	2.56%	6.39%	--	2.56%

Best Quarters

Period	This Fund	Nifty 50	CRISIL Credit Risk Debt B-II Index	Category Average
Q3 - 2021	16.99%	12.36%	--	3.87%
Q3 - 2021	16.98%	12.36%	--	3.87%
Q3 - 2016	3.32%	3.40%	--	3.48%

Worst Quarters

Period	This Fund	Nifty 50	CRISIL Credit Risk Debt B-II Index	Category Average
Q1 - 2020	-24.83%	-29.43%	--	-0.73%
Q3 - 2020	-8.14%	7.84%	--	2.11%
Q1 - 2020	-24.77%	-29.43%	--	-0.73%

Forum

krishna_ksvs
MF Investment Help
Follow

6 days ago

View more

Posted by : krishna_ksvs
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Repost Cancel
You will now receive notification when someone reply to this message.
hunch
MF Investment Help
Follow

41 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

Posted by : hunch
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

2 hrs ago

Diversify Your Investment Portfolio with State-Secured Confidence ✔️ Coupon: 7.65% ✔️ Tenor: 7y 4m (Maturity: 22/Feb/2033) A State Government security designed for investors seeking predictable, low-risk growth with assured payouts and sovereign trust. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhdFpBPT0=/765-haryana-sdl-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Diversify Your Investment Portfolio with State-Secured Confidence ✔️ Coupon: 7.65% ✔️ Tenor: 7y 4m (Maturity: 22/Feb/2033) A State Government security designed for investors seeking predictable, low-risk growth with assured payouts and sovereign trust. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJhdFpBPT0=/765-haryana-sdl-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
ravisistla
MF Investment Help
Follow

70 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

107 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
Progrowth Finwealth
MF Investment Help
Follow

107 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

Posted by : Progrowth Finwealth
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347