UTI Credit Risk Fund Regular Growth
DebtCredit RiskModerately High risk
Regular
NAV (05-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹343 Cr
Expense Ratio
1.63%
ISIN
INF789F01QZ1
Minimum SIP
₹500
Exit Load
1.00%
Inception Date
19 Nov 2012
About this fund
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹16.04, Assets Under Management (AUM) of 343.15 Crores, and an expense ratio of 1.63%.
- UTI Credit Risk Fund Regular Growth has given a CAGR return of 4.09% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 77.32% in debts, and 22.34% in cash & cash equivalents.
- You can start investing in UTI Credit Risk Fund Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+7.55%
+8.12% (Cat Avg.)
3 Years
+11.14%
+9.36% (Cat Avg.)
5 Years
-0.45%
+6.36% (Cat Avg.)
10 Years
+3.22%
+6.18% (Cat Avg.)
Since Inception
+4.09%
— (Cat Avg.)
Portfolio Summaryas of 31st August 2024
| Debt | ₹265.34 Cr | 77.32% |
| Others | ₹77.81 Cr | 22.68% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Net Current Assets | Cash | ₹32.82 Cr | 9.56% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹31 Cr | 9.03% |
| Piramal Capital & Housing Finance Limited | Bond - Corporate Bond | ₹25.9 Cr | 7.55% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹24.8 Cr | 7.23% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹23.94 Cr | 6.98% |
| Century Textiles And Industried Limited | Bond - Corporate Bond | ₹23.92 Cr | 6.97% |
| TATA Projects Limited | Bond - Corporate Bond | ₹19.92 Cr | 5.81% |
| Tmf Holdings Limited | Bond - Corporate Bond | ₹18.22 Cr | 5.31% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹15.18 Cr | 4.43% |
| Nirma Limited | Bond - Corporate Bond | ₹15 Cr | 4.37% |
| G R Infraprojects Limited | Bond - Corporate Bond | ₹14.91 Cr | 4.35% |
| Steel Authority Of India Limited | Bond - Corporate Bond | ₹12.51 Cr | 3.65% |
| Eris Lifesciences Limited | Bond - Corporate Bond | ₹11.52 Cr | 3.36% |
| Eris Lifesciences Limited | Bond - Corporate Bond | ₹11.51 Cr | 3.35% |
| Nirma Limited | Bond - Corporate Bond | ₹10.03 Cr | 2.92% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹9.97 Cr | 2.91% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹9.97 Cr | 2.90% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹9.93 Cr | 2.89% |
| Motilal Oswal Finvest Limited | Bond - Corporate Bond | ₹8.55 Cr | 2.49% |
| Tata Projects Limited | Bond - Corporate Bond | ₹4.01 Cr | 1.17% |
| Steel Authority Of India Limited | Bond - Corporate Bond | ₹3 Cr | 0.88% |
| 07.79 Up SDL 2033 | Bond - Gov't/Treasury | ₹2.27 Cr | 0.66% |
| 6.54% Govt Stock 2032 | Bond - Gov't/Treasury | ₹1.96 Cr | 0.57% |
| CORPORATE DEBT MARKET DEVT FUND A2 UNITS | Mutual Fund - Open End | ₹1.16 Cr | 0.34% |
| 7.26% Govt Stock 2032 | Bond - Gov't/Treasury | ₹1.02 Cr | 0.30% |
| Clearing Corporation Of India Ltd. Std Margin | Cash - Repurchase Agreement | ₹0.13 Cr | 0.04% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹0 Cr | 0.00% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹248.84 Cr | 72.52% |
| Bond - Gov't/Treasury | ₹60.2 Cr | 17.54% |
| Cash | ₹32.82 Cr | 9.56% |
| Mutual Fund - Open End | ₹1.16 Cr | 0.34% |
| Cash - Repurchase Agreement | ₹0.13 Cr | 0.04% |
Risk & Performance Ratios
Standard Deviation
This fund
8.81%
Cat. avg.
7.69%
Lower the better
Sharpe Ratio
This fund
0.56
Cat. avg.
0.24
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
6.38
Higher the better
Fund Managers
Ritesh Nambiar
Since November 2012
Additional Scheme Detailsas of 31st August 2024
ISIN | INF789F01QZ1 | Expense Ratio | 1.63% | Exit Load | 1.00% | Fund Size | ₹343 Cr | Age | 19 Nov 2012 | Lumpsum Minimum | ₹500 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Credit Risk Debt B-II TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Credit Risk Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bandhan Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹334.05 Cr | 7.0% |
| Bandhan Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹334.05 Cr | 8.0% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.5% | 3.0% | ₹916.63 Cr | 8.5% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 3.0% | ₹916.63 Cr | 9.5% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹141.35 Cr | 8.0% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹141.35 Cr | 8.9% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹343.15 Cr | 7.6% |
| Nippon India Credit Risk Fund Regular Growth High Risk | 1.4% | 1.0% | ₹1027.94 Cr | 7.8% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2370.34 Cr | 7.8% |
| DSP Credit Risk Fund Regular Growth Moderately High risk | 1.2% | 1.0% | ₹192.18 Cr | 15.7% |
About the AMC
Total AUM
₹3,15,582 Cr
Address
UTI Towers, Gn Block, Mumbai, 400 051
Other Funds by UTI Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
Unlock Expert Insights!
Related Articles
Still got questions?
We're here to help.
What is the current NAV of UTI Credit Risk Fund Regular Growth?
What are the returns of UTI Credit Risk Fund Regular Growth?
What is the portfolio composition of UTI Credit Risk Fund Regular Growth?
Who manages the UTI Credit Risk Fund Regular Growth?
- Ritesh Nambiar
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.