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UTI Credit Risk Fund Direct Growth
Debt
Credit Risk
Moderately High Risk
+8.12%
3Y annualised
+0.05% 1D
NAV: 27 Feb '26
₹20.18
Min. for SIP
₹500
Fund size
₹258.47 Cr
Expense ratio
0.93%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,912 | +3.19% | |
| 3 years | ₹1,80,000 | ₹2,01,797 | +12.11% | |
| 5 years | ₹3,00,000 | ₹3,68,384 | +22.79% | |
| 10 years | ₹6,00,000 | ₹7,62,342 | +27.06% |
Holdings (22)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 9.30% |
| Aditya Birla Real Estate Ltd. | Consumer Staples | Debenture | 7.34% |
| Piramal Finance Ltd. | Financial | Debenture | 7.09% |
| Aadhar Housing Finance Ltd | Financial | Debenture | 5.87% |
| Vedanta Ltd - Pref. Shares 7.50 | Metals & Mining | Debenture | 5.84% |
| Tata Projects Ltd. | Construction | Debenture | 5.82% |
| Adani Power Ltd. | Energy | Debenture | 5.78% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 5.78% |
| Avanse Financial Services Ltd. | Financial | Debenture | 5.61% |
| Eris Lifesciences Ltd. | Healthcare | Debenture | 4.48% |
| GOI | Sovereign | GOI Sec | 3.97% |
| Nirma Ltd. | Consumer Staples | Debenture | 3.87% |
| Small Industries Devp. Bank of India Ltd. | Financial | Debenture | 3.87% |
| Aditya Birla Renewables Ltd. | Energy | Bonds/NCD | 3.50% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 2.88% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | NCD | 2.88% |
| Eris Lifesciences Ltd. | Healthcare | Debenture | 2.53% |
| 360 ONE Wealth Ltd. | Financial | NCD | 1.94% |
| Indus Infra Trust | Construction | InvITs | 1.93% |
| Uttar Pradesh State | Others | SDL | 0.87% |
| GOI | Sovereign | GOI Sec | 0.77% |
| GOI | Sovereign | GOI Sec | 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 | +8.1% | +10.2% | +3.8% | +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) | |
|---|---|---|---|---|
Aditya Birla Sun Life Credit Risk Fund Direct Growth | +14.36% | +13.05% | 1,138.04 | |
Invesco India Credit Risk Fund Direct Growth | +9.68% | +10.65% | 158.25 | |
Nippon India Credit Risk Fund Direct Growth | +9.79% | +9.36% | 1,030.58 | |
Axis Credit Risk Fund Direct Growth | +9.73% | +8.87% | 362.79 | |
Baroda BNP Paribas Credit Risk Fund Direct Growth | +8.57% | +8.67% | 186.08 | |
| 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 ₹3,93,335 Cr and the Latest NAV as of 27 Feb 2026 is ₹20.18.
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₹3,93,334.93 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,