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

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

Debt

UTI Mutual Fund

Credit Risk

Get the latest NAV of UTI Credit Risk Fund Direct Plan Annual 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.

₹12.30

NAV as on 11 Jul 2025

3.85%/per year

Since Inception

Absolute Gain%

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Fund Performance

as on (11-Jul-25)

Period
This Fund
Credit Risk Index
1 Month
0.56%
0.42%
3 Months
2.17%
3.04%
6 Months
4.7%
6.82%
1 Year
9.49%
11.27%
3 Years
8.15%
8.87%
5 Years
10.11%
9.57%

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

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

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Equity 1.6%

Debt & Cash 98%

Cash allocation has gone up from 16.3% to 16.4%
Cash allocation has gone up from 16.3% to 16.4%
Debt allocation has gone down from 83.2% to 83.1%
Debt allocation has gone down from 83.2% to 83.1%

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

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Equity 1.6%

Debt & Cash 98%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

65%

Government

18%

Apr'25

Corporate

65%

Government

18%

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

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

Expense ratio1%
Benchmark
CRISIL Credit Risk Debt B-II TR INR
AUM₹282 Cr
Inception Date12 August, 2015
Min Lumpsum/SIP₹20000/₹500
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
36.21%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

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

UTI Credit Risk Fund Direct Plan Annual Payout Inc Dist cum Cap Wdrl is a debt fund. This fund was started on 12 August, 2015. The fund is managed by Sunil Patil. This fund is suitable to keep your money safe.

Key Parameters

  1. UTI Credit Risk Fund Direct Plan Annual Payout Inc Dist cum Cap Wdrl has ₹282 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

UTI Credit Risk Fund Direct Plan Annual Payout Inc Dist cum Cap Wdrl has given a CAGR return of 3.85% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.49%, 8.15% and 10.11% respectively.

Holdings

UTI Credit Risk Fund Direct Plan Annual Payout Inc Dist cum Cap Wdrl has allocated its funds majorly in Financial Services, Corporate, Government, Cash Equivalent. Its top holdings are 7.1% Govt Stock 2034, Piramal Finance Limited, Aadhar Housing Finance Limited, TATA Projects 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 Annual 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 Annual Payout Inc Dist cum Cap Wdrl has no lock in period.

Fund Manager

Sunil Patil

Fund Manager of UTI Credit Risk Fund Direct Plan Annual Payout Inc Dist cum Cap Wdrl, since 21 January 2025

Learn more about UTI Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 284.6 Cr
₹ 286 Cr
₹ 287.9 Cr
  • AUM of the fund stands at 284.6 Cr as of May'25
  • AUM decreased by 1.4 Cr between May'25 and Apr'25

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

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

INDmoney makes it simple to invest in the UTI Credit Risk Fund Direct Plan Annual 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 Annual 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 Annual Payout Inc Dist cum Cap Wdrl?

The NAV of the fund today is ₹12.30. 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 Annual Payout Inc Dist cum Cap Wdrl fund has generated a return of 9.49% in 1 year, 8.15% in 3 years, 10.11% in 5 years.

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

The fund managers are Sunil Patil.

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 1.00%. 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 ₹282 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 Annual Payout Inc Dist cum Cap Wdrl?

The top 3 holdings of the fund are 7.1% Govt Stock 2034(11.29%), Piramal Finance Limited(7.52%), Aadhar Housing Finance Limited(7.2%)