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

UTI Credit Risk Fund Direct Plan Flexi Payout Inc Dist cum Cap Wdrl is a debt fund. This fund was started on 5 February, 2016. The fund is managed by Sunil Patil. This fund is suitable to keep your money safe.

1. UTI Credit Risk Fund Direct Plan Flexi 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.
   

UTI Credit Risk Fund Direct Plan Flexi Payout Inc Dist cum Cap Wdrl has given a CAGR return of 3.11% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.48%, 8.16% and 10.12% respectively.

UTI Credit Risk Fund Direct Plan Flexi 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

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.

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