UTI Credit Risk Fund Direct-Growth

Q: What are the returns of UTI Credit Risk Fund?

The UTI Credit Risk Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 5.31% since inception. UTI Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.64% 8.07% 8.27% 4.02% 5.31%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹19.2679-0.02% 1 day change	5.31% p.a.	#NA View Ranked Funds	₹286 Crs

Historical NAV & returns

NAV: ₹19.2679 as on Jun 05, 2025

This fund Category average

UTI Credit Risk Fund overview

Expense ratio	1.0% as on May 31, 2025
Exit load	1.0% For units in excess of 10% of the investment,1% will be charged for redemption within 365 days!
AUM (Fund size)	₹286 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP ₹500 & Lump. ₹5000
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

UTI Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Jun 06, 2025

Period	This fund	Category average
1 Month	0.93%	1.01%
3 Months	2.95%	3.49%
6 Months	4.7%	5.58%
1 Year	9.64%	10.59%
2 Years	8.43%	9.17%
3 Years	8.07%	8.8%
4 Years	11.12%	10.28%
5 Years	8.27%	10.19%
7 Years	1.88%	6.47%
10 Years	4.02%	7.24%

Asset allocationas on Apr 30, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 48.88444243%

SOV 18.05879981%

AA+ 12.32529855%

Cash & Call Money 9.29407469%

Top Debt Holdings

GOI 17.24%

Piramal Finance Ltd. 7.81%

Eris Lifesciences Ltd. 7.44%

Aadhar Housing Finance Ltd 7.09%

Allocation by Instruments

Debenture 50.14172632%

Non Convertible Debenture 18.822541639999997%

GOI Securities 17.24113693%

Net Current Assets 9.29407469%

Other Holdings

Others 9.29%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
UTI Credit Risk Fund	N.A.	₹286 Crs	12 yrs 5 m	1.0%
SBI Credit Risk Fund	N.A.	₹2,278 Crs	12 yrs 5 m	0.89%
Aditya Birla Sun Life Credit Risk Fund	N.A.	₹985 Crs	10 yrs 2 m	0.67%
Bank of India Credit Risk Fund	N.A.	₹114 Crs	10 yrs 4 m	1.12%
Baroda BNP Paribas Credit Risk Fund	N.A.	₹173 Crs	10 yrs 5 m	0.85%
ICICI Prudential Credit Risk Fund	N.A.	₹6,138 Crs	12 yrs 5 m	0.76%

Fund name	1M	6M	1Y	3Y	5Y	10Y
UTI Credit Risk Fund	0.93%	4.7%	9.64%	8.07%	8.27%	4.02%
SBI Credit Risk Fund	1.14%	5.29%	10.34%	8.88%	8.08%	8.24%
Aditya Birla Sun Life Credit Risk Fund	1.24%	9.34%	18.7%	12.23%	10.76%	9.21%
Bank of India Credit Risk Fund	0.56%	3.46%	6.28%	6.17%	27.28%	2.03%
Baroda BNP Paribas Credit Risk Fund	1.1%	5.22%	10.22%	8.84%	11.11%	8.85%
ICICI Prudential Credit Risk Fund	1.09%	5.38%	10.4%	8.86%	8.44%	8.71%

Fund name	Std. deviation	Beta	Sharpe	Sortino
UTI Credit Risk Fund	0.86	1.8	1.71	2.67
SBI Credit Risk Fund	1.22	1.72	1.74	5.02
Aditya Birla Sun Life Credit Risk Fund	2.88	1.19	1.83	7.57
Bank of India Credit Risk Fund	0.76	0.74	-0.42	-0.96
Baroda BNP Paribas Credit Risk Fund	0.72	1.42	2.97	5.54
ICICI Prudential Credit Risk Fund	0.98	2.0	2.15	4.34

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	4.9 vs. 5.52 Underperformed at beating benchmark
Sharpe	1.71 vs. 6.06 Poor risk-adjusted returns
Beta	1.8 vs. 3.33 Less sensitive to market ups & downs
Standard deviation	0.86 vs. 2.04 More stable returns

Compare UTI Credit Risk Fund in detail with

About this fund

About UTI Credit Risk Fund

UTI Credit Risk Fund Direct-Growth is a Credit Risk mutual fund scheme from Uti Mutual Fund. This fund has been in existence for 12 yrs 5 m, having been launched on 01/01/2013. UTI Credit Risk Fund Direct-Growth has ₹286 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of UTI Credit Risk Fund Direct-Growth as of 05/06/2025 is ₹19.27. The fund has an expense ratio of 1.0%, which is higher than what most other Credit Risk funds charge.

UTI Credit Risk Fund Direct-Growth returns of last 1-year are 9.69%. Since launch, it has delivered 5.31% average annual returns.
UTI Credit Risk Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Piramal Finance Ltd., Eris Lifesciences Ltd., Aadhar Housing Finance Ltd, Tata Projects Ltd..

...

Fund AUM	₹286 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Sunil Madhukar Patil

Mr. Patil is MMF, Finance He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.

Investment objective

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).

UTI Mutual Fund details

No. of schemes	62 view all schemes
Total AUM	₹3,39,983 Crs as on Mar 31, 2025
Address	UTI Tower, Plot C-1, GN Block, Banrda Kurla Complex, Bandra (East) Mumbai, 400051
Phone	0263 2296993

More funds from UTI Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
UTI Gilt Fund with 10 year Constant Duration	N.A.	₹173 Crs	12.07%	N.A.
UTI Gilt Fund	N.A.	₹742 Crs	10.68%	8.57%
UTI Dynamic Bond Fund	N.A.	₹465 Crs	11.04%	8.46%
UTI Medium to Long Duration Fund	N.A.	₹329 Crs	10.73%	8.44%
UTI Short Duration Fund	N.A.	₹2,791 Crs	9.79%	8.16%
UTI Medium Duration Fund	N.A.	₹40 Crs	10.04%	8.11%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of UTI Credit Risk Fund?

The current Net Asset Value (NAV) of the UTI Credit Risk Fund - Direct Growth plan is approximately ₹19.2679 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The UTI Credit Risk Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 5.31% since inception.

UTI Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.64%	8.07%	8.27%	4.02%	5.31%

How much does this mutual fund charge as expense ratio?

The UTI Credit Risk Fund - Direct Growth has an expense ratio of 1.0%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The UTI Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately ₹286 Crs crore as of Mar 31, 2025.

To whom does UTI Credit Risk Fund lend to?

The top 3 debt holdings of UTI Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	17.24%
Piramal Finance Ltd.	7.81%
Eris Lifesciences Ltd.	7.44%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The UTI Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	48.88444243%
SOV	18.05879981%
AA+	12.32529855%

What is risk level of UTI Credit Risk Fund?

This is a Credit Risk fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in UTI Credit Risk Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for UTI Credit Risk Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in UTI Credit Risk Fund is complete.

How can I redeem my investments in UTI Credit Risk Fund?

Redeeming your investments in UTI Credit Risk Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in UTI Credit Risk Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Credit Risk

#NA

Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 5 Years.
Age: This is the 3rd oldest Credit Risk fund.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: For units in excess of 10% of the investment,1% will be charged for redemption within 365 days