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UTI Credit Risk Fund(M-IDCW)

IDCW
11.010.02% (+0.00)

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UTI Credit Risk Fund(M-IDCW)

IDCW
DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 316 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
11.010.02% (+0.00)

Price Chart

High
—
Low
—
Returns
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP

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DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 316 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
18.036.33
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.148.195.63

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
Nil upto 10% of units and 1% for remaining units on or before 12M Nil after 12M
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 20,000
Initial: ₹ 20,000 Incremental: ₹ 500
BenchmarkBenchmark
CRISIL Credit Risk Debt Index

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
UTI Credit Risk Fund(M-IDCW)8.72%6.90%0.94%
HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)1.33%-0.07%0.72%
ICICI Pru Credit Risk Fund(Q-IDCW Payout)0.40%0.08%1.02%
SBI Credit Risk Fund(IDCW-Payout)8.76%7.53%5.14%

Price Comparison

Compare UTI Credit Risk Fund(M-IDCW) with any MF, ETF, stock or index
Compare UTI Credit Risk Fund(M-IDCW) with any MF, ETF, stock or index
UTI Credit Risk Fund(M-IDCW)
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Asset Allocation

Actual

Target

Mar 2024

Jun 2024

Sep 2024

Nov 2024

ACTUAL
DepositsCash & EquivalentsGovernment SecuritiesCorporate Debt0.06%0.37%12.71%15.90%70.96%

Mar 2024

Jun 2024

Sep 2024

Nov 2024

Tickertape Separator

Sector Distribution

+4 moreConstruction & EngineeringDiversified ChemicalsHome FinancingG-SecOthers27.51 %12.33 %13.88 %14.44 %15.90 %15.95 %

Mar 2024

Jun 2024

Sep 2024

Nov 2024

Tickertape Separator

Sector Weightage

Sep 23Dec 23Mar 24Jun 24Sep 24Nov 244.45%13.73%6.45%4.93%9.54%15.95%
Others as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.10% GSEC - MAT - 08/04/2034
    Sov
    3M change : 0.82 %|Sov

    Holdings

    9.86 %

    0.82 %
  • NCD PIRAMAL CAPITAL & HOUSING FINANCE LTD
    ICRA-AA
    3M change : 0.51 %|ICRA-AA

    Holdings

    8.06 %

    0.51 %
  • NCD CENTURY TEXTILES & INDUSTRIES LTD.
    CRISIL-AA
    3M change : 0.61 %|CRISIL-AA

    Holdings

    7.58 %

    0.61 %

AMC Profile

UTI AMC commenced operations from February 1, 2003. It has been promoted by four sponsors, namely, SBI, Life Insurance Corporation of India, Bank of Baroda and Punjab National Bank and each of them hold 25% of the paid up capital of UTI AMC.

  • No.of Schemes

    66

  • Total AUM

    ₹ 2,18,166.29 Cr.

Fund Manager Profile

Ritesh Nambiar

AUM:  ₹9,419.98 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: —

Qualification

CFA, FRM & MBA ( Finance )

Past Experience

Mr.Ritesh Nambiar joined UTI in 2008. Prior to joining UTI, he has 3 years of experience in CRISIL and TransMarket Group Research . In UTI he has worked in Department of Securities Research and is presently in Department of FundManagement - Debt.

Funds Managed (72)

UTI Credit Risk Fund(H-IDCW)

IDCW
8.71%
6.90%
1.00%

UTI Credit Risk Fund(F-IDCW)

IDCW
8.71%
6.90%
1.00%

UTI Credit Risk Fund(M-IDCW)

IDCW
8.72%
6.90%
1.00%

UTI Credit Risk Fund(A-IDCW)

IDCW
6.29%
6.10%
1.00%

UTI Medium Duration Fund(H-IDCW)

IDCW
8.34%
4.93%
0.82%

UTI Medium Duration Fund(M-IDCW)

IDCW
1.15%
-0.20%
0.82%

UTI Medium Duration Fund-Reg(M-IDCW)

IDCW
7.62%
5.45%
1.50%

UTI Medium Duration Fund-Reg(H-IDCW)

IDCW
5.26%
3.22%
1.50%

UTI Medium Duration Fund-Reg(Q-IDCW)

IDCW
7.62%
5.45%
1.50%

UTI Medium Duration Fund(A-IDCW)

IDCW
4.73%
3.31%
0.82%

UTI Medium Duration Fund-Reg(F-IDCW)

IDCW
7.63%
4.22%
1.50%

UTI Medium Duration Fund(Q-IDCW)

IDCW
8.34%
5.80%
0.82%

UTI Medium Duration Fund-Reg(A-IDCW)

IDCW
3.77%
2.50%
1.50%

UTI Medium Duration Fund(F-IDCW)

IDCW
8.33%
4.96%
0.82%

UTI Ultra Short Duration Fund(A-IDCW)

IDCW
7.83%
5.39%
0.33%

UTI Ultra Short Duration Fund(H-IDCW)

IDCW
7.83%
5.40%
0.33%

UTI Ultra Short Duration Fund-Reg(Q-IDCW)

IDCW
4.10%
2.99%
0.94%

UTI Ultra Short Duration Fund(FN-IDCW)

IDCW
0.01%
0.03%
0.33%

UTI Ultra Short Duration Fund-Reg(A-IDCW)

IDCW
7.20%
4.79%
0.94%

UTI Ultra Short Duration Fund(M-IDCW)

IDCW
2.25%
1.00%
0.33%

UTI Credit Risk Fund-Reg(M-IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Ultra Short Duration Fund(Q-IDCW)

IDCW
7.83%
6.60%
0.33%

UTI Ultra Short Duration Fund-Reg(FN-IDCW)

IDCW
0.00%
0.03%
0.94%

UTI Credit Risk Fund-Reg(F-IDCW)

IDCW
7.93%
6.10%
1.65%

UTI Credit Risk Fund-Reg(A-IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Credit Risk Fund-Reg(H-IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Ultra Short Duration Fund-Reg(M-IDCW)

IDCW
1.68%
0.68%
0.94%

UTI Overnight Fund-Reg(DD-IDCW)

IDCW
0.00%
0.00%
0.11%

UTI Overnight Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.06%

UTI Ultra Short Duration Fund(F-IDCW)

IDCW
7.83%
6.60%
0.33%

UTI Ultra Short Duration Fund-Reg(F-IDCW)

IDCW
7.20%
4.98%
0.94%

UTI Overnight Fund(IDCW)

IDCW
6.73%
5.33%
0.06%

UTI Credit Risk Fund(IDCW)

IDCW
8.72%
6.90%
1.00%

UTI Ultra Short Duration Fund(DD-IDCW)

IDCW
7.83%
6.60%
0.33%

UTI Ultra Short Duration Fund(W-IDCW)

IDCW
0.04%
0.02%
0.33%

UTI Credit Risk Fund-Reg(IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Ultra Short Duration Fund-Reg(DD-IDCW)

IDCW
0.00%
0.00%
0.94%

UTI Overnight Fund-Reg(IDCW)

IDCW
6.67%
5.26%
0.11%

UTI Ultra Short Duration Fund-Reg(W-IDCW)

IDCW
7.20%
6.01%
0.94%

UTI Credit Risk Fund(H-IDCW)

IDCW
8.71%
6.90%
1.00%

UTI Credit Risk Fund(F-IDCW)

IDCW
8.71%
6.90%
1.00%

UTI Credit Risk Fund(A-IDCW)

IDCW
6.29%
6.10%
1.00%

UTI Medium Duration Fund-Reg(A-IDCW)

IDCW
3.77%
2.50%
1.50%

UTI Medium Duration Fund-Reg(Q-IDCW)

IDCW
7.62%
5.45%
1.50%

UTI Medium Duration Fund(F-IDCW)

IDCW
8.33%
4.96%
0.82%

UTI Medium Duration Fund-Reg(M-IDCW)

IDCW
7.62%
5.45%
1.50%

UTI Medium Duration Fund(M-IDCW)

IDCW
1.15%
-0.20%
0.82%

UTI Medium Duration Fund(A-IDCW)

IDCW
4.73%
3.31%
0.82%

UTI Medium Duration Fund-Reg(H-IDCW)

IDCW
5.26%
3.22%
1.50%

UTI Medium Duration Fund(H-IDCW)

IDCW
8.34%
4.93%
0.82%

UTI Medium Duration Fund(Q-IDCW)

IDCW
8.34%
5.80%
0.82%

UTI Medium Duration Fund-Reg(F-IDCW)

IDCW
7.63%
4.22%
1.50%

UTI Ultra Short Duration Fund(A-IDCW)

IDCW
7.83%
5.39%
0.33%

UTI Ultra Short Duration Fund(M-IDCW)

IDCW
2.25%
1.00%
0.33%

UTI Ultra Short Duration Fund-Reg(Q-IDCW)

IDCW
4.10%
2.99%
0.94%

UTI Ultra Short Duration Fund(FN-IDCW)

IDCW
0.01%
0.03%
0.33%

UTI Ultra Short Duration Fund-Reg(A-IDCW)

IDCW
7.20%
4.79%
0.94%

UTI Ultra Short Duration Fund(H-IDCW)

IDCW
7.83%
5.40%
0.33%

UTI Credit Risk Fund-Reg(M-IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Ultra Short Duration Fund(Q-IDCW)

IDCW
7.83%
6.60%
0.33%

UTI Ultra Short Duration Fund-Reg(FN-IDCW)

IDCW
0.00%
0.03%
0.94%

UTI Ultra Short Duration Fund-Reg(M-IDCW)

IDCW
1.68%
0.68%
0.94%

UTI Credit Risk Fund-Reg(A-IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Credit Risk Fund-Reg(H-IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Credit Risk Fund-Reg(F-IDCW)

IDCW
7.93%
6.10%
1.65%

UTI Ultra Short Duration Fund(F-IDCW)

IDCW
7.83%
6.60%
0.33%

UTI Ultra Short Duration Fund-Reg(F-IDCW)

IDCW
7.20%
4.98%
0.94%

UTI Overnight Fund(IDCW)

IDCW
6.73%
5.33%
0.06%

UTI Credit Risk Fund(IDCW)

IDCW
8.72%
6.90%
1.00%

UTI Credit Risk Fund-Reg(IDCW)

IDCW
7.94%
6.10%
1.65%

UTI Overnight Fund-Reg(IDCW)

IDCW
6.67%
5.26%
0.11%

UTI Credit Risk Fund(M-IDCW)

IDCW
8.72%
6.90%
1.00%

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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