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Fund Overview

Fund Size

Fund Size

₹316 Cr

Expense Ratio

Expense Ratio

0.94%

ISIN

ISIN

INF789F01YB6

Minimum SIP

Minimum SIP

₹500

Exit Load

Exit Load

1.00%

Inception Date

Inception Date

01 Jan 2013

About this fund

UTI Credit Risk Fund Direct Growth is a Credit Risk mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 11 years, 11 months and 11 days, having been launched on 01-Jan-13.
As of 10-Dec-24, it has a Net Asset Value (NAV) of ₹18.42, Assets Under Management (AUM) of 316.12 Crores, and an expense ratio of 0.94%.
  • UTI Credit Risk Fund Direct Growth has given a CAGR return of 5.14% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 71.04% in debts, and 28.59% in cash & cash equivalents.
  • You can start investing in UTI Credit Risk Fund Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+8.97%

+8.07% (Cat Avg.)

3 Years

+6.88%

+9.12% (Cat Avg.)

5 Years

+1.74%

+6.67% (Cat Avg.)

10 Years

+4.03%

+6.08% (Cat Avg.)

Since Inception

+5.14%

(Cat Avg.)

Portfolio Summaryas of 30th November 2024

Debt224.58 Cr71.04%
Others91.54 Cr28.96%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
Net Current AssetsCash40.19 Cr12.71%
7.1% Govt Stock 2034Bond - Gov't/Treasury31.16 Cr9.86%
Piramal Capital & Housing Finance LimitedBond - Corporate Bond25.47 Cr8.06%
Century Textiles And Industried LimitedBond - Corporate Bond23.96 Cr7.58%
Aadhar Housing Finance Ltd.Bond - Corporate Bond20.17 Cr6.38%
TATA Projects LimitedBond - Corporate Bond19.99 Cr6.32%
Godrej Industries LimitedBond - Corporate Bond19.91 Cr6.30%
TVS Credit Services LimitedBond - Corporate Bond15.13 Cr4.79%
Nirma LimitedBond - Corporate Bond15.01 Cr4.75%
G R Infraprojects LimitedBond - Corporate Bond14.98 Cr4.74%
7.18% Govt Stock 2033Bond - Gov't/Treasury13.82 Cr4.37%
Eris Lifesciences LimitedBond - Corporate Bond11.58 Cr3.66%
Eris Lifesciences LimitedBond - Corporate Bond11.56 Cr3.66%
360 One Prime LimitedBond - Corporate Bond10.01 Cr3.17%
Small Industries Development Bank Of IndiaBond - Corporate Bond9.93 Cr3.14%
Aditya Birla Renewables LimitedBond - Corporate Bond9.05 Cr2.86%
Motilal Oswal Finvest LimitedBond - Corporate Bond8.53 Cr2.70%
Nirma LimitedBond - Corporate Bond5.02 Cr1.59%
Tata Projects LimitedBond - Corporate Bond4.01 Cr1.27%
07.79 Up SDL 2033Bond - Gov't/Treasury2.28 Cr0.72%
6.54% Govt Stock 2032Bond - Gov't/Treasury1.97 Cr0.62%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITSMutual Fund - Open End1.17 Cr0.37%
7.26% Govt Stock 2032Bond - Gov't/Treasury1.03 Cr0.32%
Clearing Corporation Of India Ltd. Std - MarginCash - Repurchase Agreement0.19 Cr0.06%
7.38% Govt Stock 2027Bond - Gov't/Treasury0 Cr0.00%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Bond - Corporate Bond224.31 Cr70.96%
Bond - Gov't/Treasury50.25 Cr15.90%
Cash40.19 Cr12.71%
Mutual Fund - Open End1.17 Cr0.37%
Cash - Repurchase Agreement0.19 Cr0.06%

Risk & Performance Ratios

Standard Deviation

This fund

0.99%

Cat. avg.

6.91%

Lower the better

Sharpe Ratio

This fund

0.73

Cat. avg.

0.18

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

5.51

Higher the better

Fund Managers

RN

Ritesh Nambiar

Since November 2012

Additional Scheme Detailsas of 30th November 2024

ISIN
INF789F01YB6
Expense Ratio
0.94%
Exit Load
1.00%
Fund Size
₹316 Cr
Age
11 years 11 months
Lumpsum Minimum
₹500
Fund Status
Open Ended Investment Company
Benchmark
CRISIL Credit Risk Debt B-II TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

iconCapital Gains Taxation:

iconDividend Taxation:

info icon

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Credit Risk Funds

Fund nameExpense RatioExit LoadFund size
1Y
Bandhan Credit Risk Fund Regular Growth

Moderately High risk

1.7%1.0%₹305.41 Cr7.7%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹305.41 Cr8.8%
Aditya BSL Credit Risk Fund Regular Growth

Moderately High risk

1.5%3.0%₹933.02 Cr12.2%
Aditya BSL Credit Risk Fund Direct Growth

Moderately High risk

0.7%3.0%₹933.02 Cr13.2%
Baroda BNP Paribas Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹161.79 Cr8.4%
Baroda BNP Paribas Credit Risk Fund Direct Growth

Moderately High risk

0.8%1.0%₹161.79 Cr9.3%
UTI Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹316.12 Cr8.2%
Nippon India Credit Risk Fund Regular Growth

High Risk

1.5%1.0%₹993.03 Cr8.5%
SBI Credit Risk Fund Regular Growth

High Risk

1.6%3.0%₹2289.16 Cr8.3%
DSP Credit Risk Fund Regular Growth

Moderately High risk

1.1%1.0%₹188.14 Cr8.1%

About the AMC

UTI Mutual Fund

UTI Mutual Fund

Total AUM

₹3,24,111 Cr

Address

UTI Towers, Gn Block, Mumbai, 400 051

Other Funds by UTI Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
UTI Innovation Fund Direct Growth

Very High Risk

0.8%1.0%₹809.61 Cr25.8%
UTI Fixed Income Interval Fund Annual Plan I Direct Growth

Low Risk

-0.0%₹20.40 Cr7.1%
UTI Fixed Term Income Fund - Series XXXV-I (1260 Days) Direct Growth

Low to Moderate Risk

-0.0%-8.3%
UTI Fixed Term Income Fund - Series XXXV-III (1176 Days) Direct Growth

Low to Moderate Risk

-0.0%-8.1%
UTI FIIF Ser 2 Qt Interval V Direct Growth

Low Risk

-1.0%₹4.80 Cr6.7%
UTI Fixed Income Interval Fund Quarterly I Direct Growth

Low Risk

-0.0%₹10.46 Cr7.0%
UTI Fixed Inc Intvl Series2 Qt Intvl VI Direct Growth

Moderate Risk

-1.0%₹11.46 Cr7.2%
UTI-Fixed Term Income Fund - Series XXX-VI (1107 days) Direct Growth

Low to Moderate Risk

-0.0%-10.0%
UTI-Fixed Term Income Fund - Series XXX - VII (1294 days) Direct Growth

Low to Moderate Risk

-0.0%--
UTI Fixed Term Income Fund - Series XXXV-II (1223 Days) Direct Growth

Moderate Risk

---8.3%
UTI Fixed Income Interval Fund Annual Plan III Direct Growth

Low to Moderate Risk

-0.0%₹13.38 Cr7.1%
UTI Fixed Term Income Fund - Series XXXVI-I (1574 days) Direct Growth

Low to Moderate Risk

-0.0%-9.1%
UTI Floater Fund Direct Growth

Moderate Risk

0.4%0.0%₹1430.12 Cr7.7%
UTI Nifty 500 Value 50 Index Fund Direct Growth

Very High Risk

0.6%0.0%₹494.20 Cr39.7%
UTI Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹820.41 Cr8.3%
UTI Focused Equity Fund Direct Growth

Very High Risk

0.7%1.0%₹2686.69 Cr24.8%
UTI Silver ETF Fund of Fund Direct Growth

Very High Risk

0.1%1.0%₹38.58 Cr24.6%
UTI Nifty200 Momentum 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹8333.77 Cr34.7%
UTI Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹6024.94 Cr6.7%
UTI Corporate Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹4699.29 Cr8.7%
UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹250.59 Cr28.2%
UTI Arbitrage Fund Direct Growth

Low Risk

0.3%0.0%₹6461.66 Cr8.3%
UTI Small Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹4650.65 Cr37.0%
UTI Ultra Short Term Fund Direct Growth

Moderate Risk

0.3%0.0%₹3046.30 Cr7.9%
UTI Credit Risk Fund Direct Growth

Moderately High risk

0.9%1.0%₹316.12 Cr9.0%
UTI Dividend Yield Fund Direct Growth

Very High Risk

1.4%1.0%₹4203.16 Cr36.8%
UTI Banking and Financial Services Fund Direct Growth

Very High Risk

1.2%1.0%₹1170.31 Cr21.9%
UTI Dynamic Bond Fund Direct Growth

Moderate Risk

0.7%0.0%₹554.96 Cr10.5%
UTI Hybrid Equity Fund Direct Growth

Very High Risk

1.2%1.0%₹6110.59 Cr27.6%
UTI Long Term Equity Fund Direct Growth

Very High Risk

0.9%0.0%₹3873.25 Cr24.0%
UTI Flexi Cap Fund Direct Growth

Very High Risk

1.0%1.0%₹26298.15 Cr23.2%
UTI Bond Fund Direct Growth

Moderate Risk

1.2%0.0%₹313.01 Cr9.8%
UTI Liquid Fund Cash Plan Direct Growth

Low to Moderate Risk

0.1%0.0%₹28665.46 Cr7.5%
UTI Gilt Fund Direct Growth

Moderate Risk

0.7%0.0%₹644.70 Cr10.3%
UTI India Consumer Fund Direct Growth

Very High Risk

1.6%1.0%₹715.40 Cr28.8%
UTI Infrastructure Fund Direct Growth

Very High Risk

1.8%1.0%₹2252.43 Cr29.7%
UTI MNC Fund Direct Growth

Very High Risk

1.2%1.0%₹2981.38 Cr25.9%
UTI Master Share Unit Scheme Direct Growth

Very High Risk

0.9%1.0%₹12841.53 Cr19.9%
UTI Regular Savings Fund Direct Growth

Moderately High risk

1.2%1.0%₹1645.46 Cr15.2%
UTI Money Market Fund Direct Growth

Moderate Risk

0.1%0.0%₹16371.64 Cr7.9%
UTI Mid Cap Fund Direct Growth

Very High Risk

0.9%1.0%₹12029.01 Cr33.0%
UTI Value Opportunities Fund Direct Growth

Very High Risk

1.1%1.0%₹10140.68 Cr35.0%
UTI Healthcare Fund Direct Growth

Very High Risk

1.3%1.0%₹1203.23 Cr47.7%
UTI Nifty 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹19626.32 Cr18.4%
UTI Transportation & Logistics Fund Direct Growth

Very High Risk

0.9%1.0%₹3471.89 Cr29.6%
UTI Short Term Income Fund Direct Growth

Moderate Risk

0.4%0.0%₹2675.97 Cr8.9%
UTI - Treasury Advantage Fund Direct Growth

Moderate Risk

0.4%0.0%₹3393.73 Cr7.9%
UTI Multi Asset Fund Direct Growth

High Risk

0.7%1.0%₹4415.49 Cr27.4%
UTI Core Equity Fund Direct Growth

Very High Risk

1.1%1.0%₹3976.41 Cr38.1%
UTI Medium Term Fund Direct Growth

Moderate Risk

0.8%1.0%₹40.25 Cr8.9%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of UTI Credit Risk Fund Direct Growth, as of 10-Dec-2024, is ₹18.42.
The fund has generated 8.97% over the last 1 year and 6.88% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 0.00% in equities, 71.04% in bonds, and 28.59% in cash and cash equivalents.
The fund managers responsible for UTI Credit Risk Fund Direct Growth are:-
  1. Ritesh Nambiar