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uti credit risk fund direct plan growth option
UTI Credit Risk Fund Direct Plan Growth Option

UTI Credit Risk Fund Direct Plan Growth Option

  • Moderately High risk
  • Fixed Income
  • Credit Risk
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NAV as on Nov 26, 2025
i
Price per unit of the scheme.
₹ 19.87940.05%1 Day Change
0.65%
Minimum Investment₹500
Expense Ratio0.83%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.
2
Scheme Rating
*Morningstar Rating Methodologyi
i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions
 

bt_logoFUND PERFORMANCE

As On Jan 01, 2023
Compare fund’s performance against category average across different time periods


No Data Found.
Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

bt_logoFUND COMPARISON

1M3M6M1Y3Y5Y
This Fund
UTI Credit Risk Fund Direct Plan Growth Option
VS
Fixed Income: Credit Risk Average NAV
    Topper in Fixed Income: Credit Risk
    All Fund


    No Data Found.
    *For the other fund, rescaled NAVs are used
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    bt_logoRETURN CALCULATOR

    Check the return on your investment in the fund
    UTI Credit Risk Fund Direct Plan Growth Option
    Investment Type
    Monthly Investment
    Time Period (yrs)
    Annual Return in %
    • Invested Amount
      ₹0
    • Return
      ₹0
    • Current Value
      ₹0

    bt_logoFUND SUMMARY

    Benchmark
    CRISIL Credit Risk Debt TR INR
    Expense Ratio
    0.83%
    Category Avg Expense Ratio
    0.89%
    Minimum Investment (Lumpsum/SIP)
    ₹ 500 /₹ 1500
    Lock In (Years)
    No Lock-in
    Fund Size
    ₹ 257.92 Cr(As on Oct, 2025)
    Inception Date
    Jan 01, 2013
    Turnover
    - %
    Exit Load
    Within 12 months from date of allotment – up to 10% of allotted Units - NIL, beyond 10% of allotted Units - 1.00%. After 12 months from the date of allotment - NIL

    bt_logoABOUT THE FUND

    Objective: The investment objective of 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). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

    UTI Credit Risk Fund Direct Plan Growth Option is an Fixed Income - Credit Risk fund. The fund was launched inJan 01, 2013. Its risk level is . The NAV of the fund as onNov 26, 2025 is ₹19.88. Its expense ratio is 0.83 %. The fund has an AUM of ₹257.92 Cr.The fund is managed byRitesh Nambiar,Sunil Patil,Abhishek Sonthalia.
    The minimum initial investment is  ₹500 in Lumpsum mode.

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    bt_logoFUND MANAGER

    Ritesh Nambiar
    Ritesh Nambiar
    i
    Lead Fund Manager.
    Nov 9, 2012 - Present
    • Fund Manager Rank12Out of 14
      i
      Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
    • Schemes managed9
    • Total AUM₹ 9,545.49 Cr
    • Highest Return In 1 Yr338.68 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    UTI Credit Risk Fund Direct Plan Growth Option
    ₹ 19.88
    0.65%
    0.64%
    Moderately High risk
    ₹257.92Cr
    UTI Credit Risk Fund (Segregated - 06032020) - Direct Plan - Growth Option
    --
    --
    -%
    -%
    Moderately High risk
    ₹0.00Cr
    UTI Medium Term Fund - Direct Plan - Growth Option
    ₹ 20.05
    0.63%
    0.61%
    Moderate Risk
    ₹40.68Cr
    UTI Credit Risk Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 19.88
    • Fund Size₹257.92Cr
    Fund Return0.65%
    Category Return0.64%
    UTI Credit Risk Fund (Segregated - 06032020) - Direct Plan - Growth Option
    Moderately High risk--
    • NAV--
    • Fund Size₹0.00Cr
    Fund Return--
    Category Return--
    UTI Medium Term Fund - Direct Plan - Growth Option
    Moderate Risk
    • NAV₹ 20.05
    • Fund Size₹40.68Cr
    Fund Return0.63%
    Category Return0.61%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Sunil Patil
    Sunil Patil
    i
    Lead Fund Manager.
    Jan 21, 2025 - Present
    • Fund Manager Rank12Out of 14
      i
      Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
    • Schemes managed11
    • Total AUM₹ 15,035.48 Cr
    • Highest Return In 1 Yr12.10 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    UTI CRISIL SDL Maturity April 2033 Index Fund Direct Growth
    --
    ₹ 12.63
    0.65%
    -%
    Moderate Risk
    ₹328.50Cr
    UTI Hybrid Equity Fund-Growth - Direct
    ₹ 450.60
    2.20%
    -0.21%
    Very High Risk
    ₹6,595.50Cr
    UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund Direct Growth
    --
    ₹ 12.25
    0.54%
    -%
    Low to Moderate Risk
    ₹170.99Cr
    UTI CRISIL SDL Maturity April 2033 Index Fund Direct Growth
    Moderate Risk--
    • NAV₹ 12.63
    • Fund Size₹328.50Cr
    Fund Return0.65%
    Category Return--
    UTI Hybrid Equity Fund-Growth - Direct
    Very High Risk
    • NAV₹ 450.60
    • Fund Size₹6,595.50Cr
    Fund Return2.20%
    Category Return-0.21%
    UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund Direct Growth
    Low to Moderate Risk--
    • NAV₹ 12.25
    • Fund Size₹170.99Cr
    Fund Return0.54%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Abhishek Sonthalia
    Abhishek Sonthalia
    i
    Lead Fund Manager.
    Nov 10, 2025 - Present
    • Schemes managed11
    • Total AUM₹ 46,488.87 Cr
    • Highest Return In 1 Yr187.22 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    Tata Treasury Advantage Fund Segregated Portfolio 1 Direct Plan Growth
    --
    ₹ 80.12
    0.63%
    -%
    Low to Moderate Risk
    ₹15.12Cr
    Tata Treasury Advantage Fund Direct Plan Growth
    ₹ 4,154.60
    0.60%
    0.50%
    Low to Moderate Risk
    ₹3,356.62Cr
    Tata Medium Term Fund Segregated Portfolio 1 Direct Plan Growth
    --
    ₹ 2.40
    0.64%
    -%
    Moderate Risk
    ₹2.15Cr
    Tata Treasury Advantage Fund Segregated Portfolio 1 Direct Plan Growth
    Low to Moderate Risk--
    • NAV₹ 80.12
    • Fund Size₹15.12Cr
    Fund Return0.63%
    Category Return--
    Tata Treasury Advantage Fund Direct Plan Growth
    Low to Moderate Risk
    • NAV₹ 4,154.60
    • Fund Size₹3,356.62Cr
    Fund Return0.60%
    Category Return0.50%
    Tata Medium Term Fund Segregated Portfolio 1 Direct Plan Growth
    Moderate Risk--
    • NAV₹ 2.40
    • Fund Size₹2.15Cr
    Fund Return0.64%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoDETAILED PORTFOLIO

    As on Nov, 2025
    EQUITY (1.88%)
    DEBT (89.73%)
    CASH (7.90%)
    Allocation by Market Cap
    Other Cap(0.50%)
    Industry Holdings
    • -%
    Stock Holdings
    • Indus Infra Trust Unit1.88%
    • Invit - Indus Infra Trust1.67%

    bt_logoPERFORMANCE MEASURES

    Fund evaluation across critical parameters for better decision making. Study period is 3 years.
    • Consistency
      i
      It represents the consistency of a fund in beating its benchmark.
    • Downside Risk
      i
      Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
      ----
    • Risk Adjusted Return
      i
      Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
    • Volatility
      i
      Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
    • Upside Capture Ratio
      i
      Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
    • Downside Capture Ratio
      i
      Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.
      ----

    bt_logoHISTORICAL RISK MEASURES

    Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.
    • Alpha: Excess return of the fund over benchmark
      i
      Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
      -0.37
      This Fund
      VS
      -0.09
      Category Avg
    • R-Squared: How well the fund tracks benchmark
      i
      R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
      68.39
      This Fund
      VS
      38.08
      Category Avg
    • Beta: Risk of the fund in relation to benchmark
      i
      Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
      0.98
      This Fund
      VS
      1.25
      Category Avg
    • Sharpe Ratio: Risk adjusted return of the fund
      i
      Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
      1.79
      This Fund
      VS
      1.19
      Category Avg
    • Sortino Ratio: Return per unit of bad risk
      i
      A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
      4.88
      This Fund
      VS
      6.07
      Category Avg
    • Standard Devation: Volatility of the fund
      i
      Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
      0.79
      This Fund
      VS
      2.47
      Category Avg
    Benchmark used in calculation : S&P BSE 500 India TR INR

    bt_logoPEER ANALYSIS

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoTOP FUNDS FROM THIS AMC

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoABOUT THE AMC

    company icon
    UTI Asset Management Co Ltd
    UTI Asset Management Co Ltd manages assets worth ₹ 2,47,028.51 crores. It’s current offering of mutual fund schemes includes 33 equity, 37 debt and 7 hybrid schemes.
    phone icon
    Phone
    +91-22-6678 6666
    mail icon
    Email
    aum
    AUM
    ₹ 2,47,028.51 Cr (
    As on Oct 31, 2025
    )
    location
    Address
    PMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051 Mumbai,400051

    bt_logoFAQ's

    What is the category of UTI Credit Risk Fund Direct Plan Growth Option ?
    The category of UTI Credit Risk Fund Direct Plan Growth Option is Fixed Income - Credit Risk
    What is the current NAV of UTI Credit Risk Fund Direct Plan Growth Option ?
    The current NAV of UTI Credit Risk Fund Direct Plan Growth Option as on Nov 26, 2025 is ₹19.88
    How safe is UTI Credit Risk Fund Direct Plan Growth Option ?
    The risk level of UTI Credit Risk Fund Direct Plan Growth Option is Moderately High.
    What are short term returns given by UTI Credit Risk Fund Direct Plan Growth Option ?
    The return given by UTI Credit Risk Fund Direct Plan Growth Option in 1 month is 0.65%, 3 months is 2.20%, 6 months is 3.38%, and 1 year is 8.33%
    What are the long term returns given by UTI Credit Risk Fund Direct Plan Growth Option ?
    The return given by UTI Credit Risk Fund Direct Plan Growth Option in 3 years is 8.12% and 5 years is 10.09%.
    What is the expense ratio of UTI Credit Risk Fund Direct Plan Growth Option ?
    The expense ratio of UTI Credit Risk Fund Direct Plan Growth Option is 0.83%
    What is the AUM of UTI Credit Risk Fund Direct Plan Growth Option ?
    The assets under Management (AUM) of UTI Credit Risk Fund Direct Plan Growth Option is Rs 257.92 crores.
    What is the minimum investment in UTI Credit Risk Fund Direct Plan Growth Option ?
    The minimum Lumpsum investment in UTI Credit Risk Fund Direct Plan Growth Option is ₹500.00 and the minimum SIP investment in UTI Credit Risk Fund Direct Plan Growth Option is ₹1,500.00
    What is the asset allocation of UTI Credit Risk Fund Direct Plan Growth Option?
    UTI Credit Risk Fund Direct Plan Growth Option has an exposure of 1.88% in Equity, 89.73% in Debt and 7.90% in Cash & Money Market Securities

    bt_logoCALCULATORS

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