UTI Credit Risk Fund Direct Growth
NAV as on 29-04-2025
₹ 19.07
Inception Returns
5.3%
/yr
Historical NAV & Returns
About UTI Credit Risk Fund Direct Growth
UTI Credit Risk Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Sunil Patil. This fund is suitable to keep your money safe.
Key Parameters
- UTI Credit Risk Fund Direct Growth has ₹288 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
- The fund has an expense ratio 1.2.
Returns
UTI Credit Risk Fund Direct Growth has given a CAGR return of 5.27% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.48%, 7.57% and 8.13% respectively.
Holdings
UTI Credit Risk Fund Direct Growth has allocated its funds majorly in Corporate, Cash Equivalent, Government. Its top holdings are 7.1% Govt Stock 2034, Piramal Capital & Housing Finance Limited, Aadhar Housing Finance Ltd., Vedanta Limited, Godrej Industries Limited
Taxation
As it is a credit risk mutual fund the taxation is as follows:If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.Invested after 1 April 2023, capital gains will be taxed at your income slab rate.Dividends will always be taxed at slab rate.
Investment objective of UTI Credit Risk Fund Direct Growth
The investment objective of the scheme is to generate reasonable income and capital appreciation by investing minimum of 65% of total assets in AA and below rated corporate bonds (excluding AA+ rated corporate bonds). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 500.00 and for SIP is INR 500.00. UTI Credit Risk Fund Direct Growth has no lock in period.
UTI Credit Risk Fund Direct Growth Overview
| Expense ratio | 1.21% |
Benchmark | CRISIL Credit Risk Debt B-II TR INR |
| AUM | ₹288 Cr |
| Inception Date | 1 January, 2013 |
| Min Lumpsum/SIP | ₹500/₹500 |
Exit Load | 1.0% |
| Lock In | No Lock-in |
TurnOver | 36.21% |
| STCG | Selling mutual fund within 36 months, gains taxed at slab rates. |
| LTCG | Holding over 3 years, gains taxed at slab rates without indexation. |
| Risk |   Moderately High risk |
Trailing Returns
as on (29-Apr-25)
Fund Distribution
as on (31-Dec-69)
- AUM of the fund stands at 287.9 Cr as of Mar'25
- AUM decreased by 9 Cr between Mar'25 and Feb'25
Top 2 Sectors in March were Corporate, Government
Holdings | Weight% | 1M Change | |
|---|---|---|---|
 7.1% Govt Stock 2034 | 11.07% | 0% | |
Piramal Capital & Housing Finance Limited | 7.78% | 0% | |
Aadhar Housing Finance Ltd. | 7.03% | 0% | |
Vedanta Limited | 6.97% | 0% | |
Godrej Industries Limited | 6.95% | 0% |
Funds | 1Y Returns | 3Y Returns | 5Y Returns | Since Inception |
|---|---|---|---|---|
UTI Credit Risk Fund Direct Growth | 9.48% | 7.57% | 8.13% | 5.27% |
 DSP Credit Risk Fund Direct Plan Growth | 23.38% | 14.88% | 11.63% | 9.09% |
 Nippon India Credit Risk Fund Direct Plan Growth Option | 10.21% | 8.33% | 9.13% | 7.53% |
 ICICI Prudential Credit Risk Fund Direct Plan Growth | 10.06% | 8.3% | 8.24% | 8.96% |
Mutual Fund Insights
UTI Credit Risk Fund Direct Growth Highlights
Moderately High risk
About the fund
AUM size ₹288 Cr
Expense Ratio 1.21%
More funds from UTI
1Y CAGR
▲ 12.20
5Y CAGR
▲ 6.33
5Y CAGR
▲ 9.35
Frequently Asked Questions for UTI Credit Risk Fund Direct Growth
UTI Credit Risk Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 1.27% | 1.27% |
6 Month Returns | 4.49% | 4.49% |
1 Year Returns | 9.48% | 9.48% |
3 Years Returns | 24.48% | 7.57% |
- Click Buy on the fund name.
- Input the amount you are looking to invest.
- Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
- Select your bank account and proceed with Payment.
AA | 76.27 |
AAA | 23.73 |