UTI Credit Risk Fund
Direct · Growth ₹20.83
18 Aug 2026
NAV
4.7%
3Y CAGR
3.4%
5Y CAGR
4.1%
10Y CAGR
4.0%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
-7.88
Sharpe
-34.4%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
0.93%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.43 L | 6.1% | -47.1% | 42.4% |
| 3 Years | ₹36.00 L | ₹40.38 L | 4.8% | -20.1% | 11.9% |
| 5 Years | ₹60.00 L | ₹69.15 L | 3.5% | -10.6% | 10.3% |
| 7 Years | ₹84.00 L | ₹90.88 L | 1.9% | -5.2% | 7.9% |
| 10 Years | ₹1.20 Cr | ₹1.45 Cr | 3.8% | 2.6% | 5.2% |
| 12 Years | ₹1.44 Cr | ₹1.90 Cr | 4.5% | 4.2% | 4.8% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | Category avg |
|---|---|---|
| 1 Year | 6.1% | 9.0% |
| 3 Years | 4.8% | 7.9% |
| 5 Years | 3.5% | 7.2% |
| 7 Years | 1.9% | 7.6% |
| 10 Years | 3.8% | 7.7% |
| 12 Years | 4.5% | 7.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 5.9% | 8.0% | -32.8% | 23.3% | -0.05 | -0.06 | 86% | — | — |
| 3 Years | 4.7% | 8.1% | -9.8% | 12.3% | -0.24 | -0.26 | 72% | — | — |
| 5 Years | 3.4% | 0.1% | -2.8% | 10.6% | -0.60 | -0.55 | 51% | — | — |
| 10 Years | 4.1% | 4.1% | 3.5% | 4.8% | -7.88 | -0.99 | 100% | — | — |
-34.4%
Max Drawdown
15 mo
Drawdown Duration
50 mo
Recovery Time
-6.4%
Avg Drawdown
Calmar Ratio by Duration
0.17
1Y
0.14
3Y
0.10
5Y
0.06
7Y
0.12
10Y
0.15
12Y