UTI Credit Risk Fund Direct Growth

Debt
Credit Risk
Moderately High Risk
7.96%
3Y annualised
+0.07% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 31 Mar 2023₹16.09
Min. SIP amount₹500
Rating4
Fund size₹438.07Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Returns and rankings

Category: Debt Credit Risk
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns5.2%8.0%-0.9%4.6%
Category average13.3%6.9%4.1%NA
Rank with in category9614NA
Understand terms

Holdings (28)

NameSectorInstrumentAssets
Piramal Capital & Housing Finance Ltd.FinancialDebenture6.2%
Tata Motors Ltd.
AutomobileDebenture5.8%
Manappuram Finance Ltd.FinancialDebenture5.7%
Summit Digitel Infrastructure Pvt. Ltd.
CommunicationDebenture5.5%
Kirloskar Ferrous Industries Ltd.Metals & MiningDebenture5.2%
India Grid Trust
Capital GoodsNCD4.6%
Piramal Pharma Ltd.HealthcareNCD4.5%
Aadhar Housing Finance Ltd.FinancialDebenture4.5%
Tata Projects Ltd.
ConstructionNCD4.4%
Aditya Birla Fashion and Retail Ltd.ServicesNCD4.4%
See All

Pros and cons

Category: Debt Credit Risk

Pros

Cons

3Y annualised returns higher than category average by 0.99%
1Y, 5Y and 10Y annualised returns lower than category average
Lower alpha: -22.76 The fund has generated returns lower than benchmark - CRISIL Credit Risk Fund CII Index - in the last 3Y
Higher expense ratio: 0.84%

Expense ratio, exit load and tax

Expense ratio: 0.84%

Inclusive of GST

Exit load

For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab, if sold before 3 years. Negligible Tax (20% with indexation benefit) post 3 years.

Understand terms
Check past data

Minimum investment amounts

Min. for 1st investment₹500
Min. for 2nd investment onwards₹500
Min. for SIP₹500

Fund management

Ritesh Nambiar
Aug 2014 - Present
View details

Education
Mr. Nambiar is an MMS (Finance), CFA and FRM holder.
Experience
Prior to joining UTI AMC in March 2008, he was a Fixed Income Analyst with CRISIL Research (January 2007 - March 2008) and a Fixed Income Trader with Eurex, LIFFE and CBOE Desk )(May 2005 - October 2006).
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
UTI Tower, 'GN' Block,Bandra-Kurla Complex,Bandra (East), Mumbai 400051
Phone
022- 66786666 / 66786354 / 1800-22-1230
Launch Date
14 Nov 2002
Website
NA
UTI Mutual Fund
Asset Management Company
Custodian
Stock Holding Corp. of India Ltd.
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,

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