Sharpe ratio
-0.13Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+5.81%1Y Absolute Return
-0.05%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| UTI Credit Risk Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,65,297 | ₹7,32,612 | ₹1,32,685 | +6.89% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.05
₹1 Lakh since launch₹1.05 Lakh
Fund age13.9 yrs
Fund information
Scheme code120764
ISININF789F01YB6
BenchmarkCRISIL Credit Risk Debt B-II Index
CategoryDebt Scheme - Credit Risk Fund
Expense ratio1.04%
Exit loadFor units in excess of 10% of the investment,1% will be charged for redemption within 365 days
Minimum SIP₹500 SIP
Return comparison
34th / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.86% | — | — |
| 3M | +2.73% | — | — |
| 6M | +6.58% | — | — |
| 1Y | +5.81% | — | +4.07% |
| 3Y | +7.65% | — | +5.67% |
| 5Y | +6.89% | — | +5.54% |
| 10Y | +3.33% | — | — |
| Since Launch | +5.40% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.15Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
1.05%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.16How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt86.82%
Cash11.14%
Real Estate2.04%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 24 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 11.1393% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.4613% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 7.5881% |
| Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031 | Financial | Debenture | 6.9559% |
| VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC | Materials | Debenture | 5.9609% |
| AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC | Financial | Debenture | 5.938% |
| ADANI POWER LIMITED SR II 8.20 NCD 25JN29 FVRS1LAC | Energy & Utilities | Debenture | 5.9297% |
| TATA PROJECTS LIMITED SR O 8.47 NCD 20NV26 FVRS1LAC | Industrials | Debenture | 5.9143% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 5.7911% |
| AVANSE FINANCIAL SERVICES LIMITED SR 40 9.60 NCD 30AP27 FVRS1LAC | Financial | Debenture | 5.7265% |
Fund management
AB
Abhishek Sonthalia
Since 2025 · Prior to joining UTI Mutual Fund, he has worked with Tata Mutual Fund, CRISIL Ltd. and TCS.
Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk debt scheme - credit risk fund. Top 10 holdings make up 70% — a handful of stocks can swing returns sharply.
Strengths
- None
Weaknesses
- Top 10 holdings make up 70% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -34.4% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- Top 10 holdings = 70% of the portfolio.