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

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

Debt

UTI Mutual Fund

Credit Risk

Get the latest NAV of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹11.25

NAV as on 13 Mar 2026

2.89%/per year

Since Inception

Absolute Gain%

▲▼

1 people have invested ₹ 3K in UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl in the last three months

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (13-Mar-26)

The fund has outperformed the benchmark (Credit Risk Index) over 5Y, but underperformed over 1Y, 3Y.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-0.17%
-0.24%
-0.26%
4.06%
6.8%
9.48%
Credit Risk Index
0.21%
1.68%
3.24%
8.42%
7.82%
9.07%
Credit Risk Avg
0.21%
1.68%
3.4%
9%
8.99%
9.45%
Best in Credit Risk
1.02%
6.15%
8.14%
20.7%
15.17%
27.55%
Worst in Credit Risk
-0.05%
0.38%
1.79%
6.54%
7.34%
6.51%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl
-
257Cr
0.92%
4.06%
6.8%
-1.01
0.85
0.42
0.61
-1.61
Bandhan Credit Risk Fund Periodic Payout of Income Distribution cum Capital Wdrl Opt
-
290Cr
0.69%
7.23%
-
--
--
--
--
--
HDFC Credit Risk Debt Fund Normal Reinvestment Inc Dist cum Cap Wdrl Opt
-
7,286Cr
1%
8.49%
6.93%
0.54
--
--
0.73
1.41
Bandhan Credit Risk Fund Half Yearly Reinvestment of Income Distribution cum Capital Wdrl Opt
-
290Cr
0.69%
4.68%
4.51%
-3.81
--
--
-0.42
-1.56
See all

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

Calculate SIP and lumpsum returns based on historical performance

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

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

Cash allocation has gone down from 22.7% to 21.9%
Cash allocation has gone down from 22.7% to 21.9%
Debt allocation has gone up from 74.9% to 75.6%
Debt allocation has gone up from 74.9% to 75.6%

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

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Financial Services
100%

Top 3 Sectors in February were Financial Services, Corporate & Government

Feb'26

Financial Services

100%

Corporate

62%

Government

15%

Jan'26

Financial Services

100%

Corporate

61%

Government

15%

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

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.92%
Benchmark
CRISIL Credit Risk Debt B-II TR INR
AUM₹257 Cr
Inception Date14 October, 2015
Min Lumpsum/SIP₹20,000/₹500
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
42.98%
Risk
Risk meter
pointer
Moderately High risk

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

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 Abhishek Sonthalia. 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 ₹257 Cr worth of assets under management (AUM) as on Mar 2026 and is more 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 2.89% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 4.06%, 6.80% and 9.48% respectively.

Holdings

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl has allocated its funds majorly in Financial Services, Corporate, Cash Equivalent, Government. Its top holdings are 7.10% Gs 2034, Aditya Birla Real Estate Limited, Piramal Finance Limited, Aadhar Housing Finance Limited, Vedanta 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 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 Manager

Abhishek Sonthalia

Fund Manager of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl, since 10 November 2025

Learn more about UTI Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 256.7 Cr
₹ 258.5 Cr
₹ 260.5 Cr
  • AUM of the fund stands at 256.7 Cr as of Feb'26
  • AUM decreased by 1.8 Cr between Feb'26 and Jan'26

Frequently Asked Questions for UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl

How do I invest in UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl?

INDmoney makes it simple to invest in the UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl?

The NAV of the fund today is ₹11.25. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl fund has generated a return of 4.06% in 1 year, 6.80% in 3 years, 9.48% in 5 years.

Who is the fund manager of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl?

The fund managers are Abhishek Sonthalia.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-12 Months. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.92%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹257 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of UTI Credit Risk Fund Direct Plan Monthly Payout Inc Dist cum Cap Wdrl?

The top 3 holdings of the fund are 7.10% Gs 2034(9.41%), Aditya Birla Real Estate Limited(7.4%), Piramal Finance Limited(7.13%)