UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl

Debt
Direct
Credit Risk
UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl

About the Fund

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl is a debt fund. This fund was started on 14 October, 2015. The fund is managed by Ritesh Nambiar. This fund is suitable to keep your money safe.

Key Parameters

  1. UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl has ₹390 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.9.

Returns

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl has given a CAGR return of 2.27% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.38%, 11.68% and -0.06% respectively.

Holdings

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.18% Govt Stock 2033, Piramal Capital & Housing Finance Limited, TATA Motors Limited, Godrej Industries Limited, Century Textiles And Industried 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:
For short term (less than 3 years) capital gains will be taxed at your income slab rate.
For long term (more than 3 years) capital gains will be taxed at 20% with indexation benefit.
Dividends will always be taxed at slab rate.

Investment objective of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl

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 20000.00 and for SIP is INR 500.00. UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl has no lock in period.

Fund Performance

Fund Overview

Expense ratio0.89%
Benchmark
CRISIL Short Term Bond Fund TR INR
AUM₹390 Cr
Inception Date14 October, 2015
Min Lumpsum/SIP₹20000/₹500
Exit Load
1%
Lock InNo Lock-in
TurnOver
118.14%
Risk
Risk meter
pointer
Moderately High risk

Fund Distribution
as on (31-Dec-69)

  • Debt & Cash 99.7%

AA
77.1%

AAA
22.9%

Sector Allocation

May'24

Apr'24

Mar'24

Corporate
62.8%
Government
23.1%
Cash Equivalent
14.1%
All changes are between Oct'69 and Dec'69

as on (31-May-24)

  • Debt & Cash

Holdings
Weight%
1M Change
7.18% Govt Stock 2033
7.18% Govt Stock 2033
15.14%
7.3%
Piramal Capital & Housing Finance Limited
Piramal Capital & Housing Finance Limited
6.57%
0%
TATA Motors Limited
TATA Motors Limited
6.43%
0%
Godrej Industries Limited
Godrej Industries Limited
6.35%
0%
Century Textiles And Industried Limited
Century Textiles And Industried Limited
6.15%
0%

Ritesh Nambiar
Ritesh Nambiar
Fund Manager of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl, since 9 November 2012

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 2.27% since inception which is less than its category average return of 5.28%
AUM size ₹390 Cr

AUM size ₹390 Cr

This fund has AUM of ₹390 Cr which is less than its category average of ₹ 1232 Cr
Expense Ratio 0.89%

Expense Ratio 0.89%

This fund has an expense ratio of 0.89% which is less than its category average expense ratio of 1.14%

Frequently Asked Questions

The current NAV of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl is ₹10.52 as on 20-Jun-2024.
Existing (Absolute + CAGR) as on 20-Jun-2024.
UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl
Absolute Returns
CAGR Returns
1 Month Returns
0.76%
0.76%
6 Month Returns
3.92%
3.92%
1 Year Returns
7.38%
7.38%
3 Years Returns
39.3%
11.68%
5 Years Returns
-0.3%
-0.06%
With INDmoney, the process of investing is very simple and involves zero commission.
  • 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.
0.89% as on May 2024
₹390 Cr as on May 2024
7.18% Govt Stock 2033(15.14%), Piramal Capital & Housing Finance Limited(6.57%), TATA Motors Limited(6.43%), Godrej Industries Limited(6.35%), Century Textiles And Industried Limited(6.15%) as on May 2024
Corporate(62.81%), Government(23.11%), Cash Equivalent(14.08%) as on May 2024
Yield to Maturity is 8.17 as on May 2024. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 1.96 as on May 2024. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AA
77.12
AAA
22.88
Ritesh Nambiar is the fund manager of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl
The Exit load of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl is 1%