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UTI Credit Risk Fund Direct Growth
+7.82%
3Y annualised
+0.10% 1D
NAV: 25 Jun '26
₹20.60
Min. for SIP
₹500
Fund size (AUM)
₹250.95 Cr
Expense ratio
1.04%
Rating
3
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,901 | +3.17% | |
| 3 years | ₹1,80,000 | ₹2,01,104 | +11.72% | |
| 5 years | ₹3,00,000 | ₹3,63,980 | +21.33% | |
| 10 years | ₹6,00,000 | ₹7,69,761 | +28.29% |
Holdings (25)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 10.12% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.41% |
| Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031 | Financial | Debenture | 7.07% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 6.28% |
| VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC | Materials | Debenture | 5.99% |
| AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC | Financial | Debenture | 5.98% |
| TATA PROJECTS LIMITED SR O 8.47 NCD 20NV26 FVRS1LAC | Industrials | Debenture | 5.97% |
| ADANI POWER LIMITED SR II 8.20 NCD 25JN29 FVRS1LAC | Energy & Utilities | Debenture | 5.92% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 5.82% |
| AVANSE FINANCIAL SERVICES LIMITED SR 40 9.60 NCD 30AP27 FVRS1LAC | Financial | Debenture | 5.77% |
| ERIS LIFESCIENCES LIMITED STRPP II 8.73 NCD 07JU27 FVRS1LAC | Healthcare | Debenture | 4.58% |
| GOI Sec 7.18 14/08/2033 | Entities | GOI Securities | 4.02% |
| 360 ONE PRIME LIMITED 8.75 NCD 10SP27 FVRS1LAC | Financial | Debenture | 3.97% |
| ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC | Energy & Utilities | Bonds/NCDs | 3.58% |
| GODREJ SEEDS & GENETICS LIMITED SR 1 7.99 NCD 26DC28 FVRS1LAC | Consumer Staples | Non Convertible Debenture | 2.94% |
| GODREJ SEEDS & GENETICS LIMITED SR 2 7.99 NCD 26MR29 FVRS1LAC | Consumer Staples | Non Convertible Debenture | 2.94% |
| ERIS LIFESCIENCES LIMITED STRPP I 8.73 NCD 07DC26 FVRS1LAC | Healthcare | Debenture | 2.59% |
| Bharat Highways InvIT | Industrials | Infrastructure Investment Trust | 2.04% |
| 360 ONE PRIME LIMITED 9.50 NCD 19JU26 FVRS1LAC | Financial | Non Convertible Debenture | 1.99% |
| STATE DEVELOPMENT LOAN 32803 UP 29MR33 7.79 FV RS 100 | Unspecified | State Development Loan | 0.88% |
| VEDANTA LIMITED 8.95 NCD 16MR29 FVRS1LAC | Materials | Debenture | 0.79% |
| CENTRAL GOVERNMENT LOAN 31280 GOI 17JN32 6.54 FV RS 100 | Entities | GOI Securities | 0.78% |
| Others Class A2 AIF | Unspecified | Alternative Investment Fund | 0.53% |
| Others CBLO | Unspecified | CBLO | 0.04% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 0.00% |
See All
Minimum investments
Min. for 1st investment
₹500
Min. for 2nd investment
₹500
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.8% | +10.2% | +3.6% | +5.4% |
| Category average (Debt Credit Risk) | +8.7% | +9.0% | +6.4% | -- |
| Rank (Debt Credit Risk) | 13 | 4 | 12 | -- |
Exit load, stamp duty and tax
Exit load
For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
 | +8.04% | +9.69% | 160.47 | |
 | +8.42% | +9.05% | 1,410.13 | |
 | +8.57% | +8.79% | 353.88 | |
 | +7.88% | +8.46% | 2,141.67 | |
 | +7.19% | +8.42% | 174.26 | |
| Compare | ||||
Fund management
ASAbhishek SonthaliaNov 2025 - PresentView details
AS
Abhishek Sonthalia
Nov 2025 - Present
View details
About UTI Credit Risk Fund Direct Growth
UTI Credit Risk Fund Direct Growth is a Debt Mutual Fund Scheme launched by UTI Mutual Fund. This scheme was made available to investors on 14 Nov 2002. Abhishek Sonthalia is the Current Fund Manager of UTI Credit Risk Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹3,94,739 Cr and the Latest NAV as of 25 Jun 2026 is ₹20.60.
The UTI Credit Risk Fund Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹500. For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
;
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).
Fund benchmarkCRISIL Credit Risk Debt B-II Index
Fund house
Rank (total assets)#8 in India
Total AUM₹3,94,738.74 Cr
Date of Incorporation14 Nov 2002
Launch Date14 Nov 2002
AddressUTI Tower, Plot C-1, GN Block,Banrda Kurla Complex, Bandra (East) Mumbai 400051
Websitewww.karvymfs.com
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,