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Previously called: UTI Income Opportunities Direct-G

NAV as of ( Sep 09, 2022 )

15.53 0.07 % 1-D Change

4.51% p.a.

You get upto 0.79% extra returns

ET Money's Fund Report Card - UTI Credit Risk Fund

ET Money Rank


Out of 16

Performance Quality info

Very Poor drop-arrow

Generated returns consistently


Increased returns for each unit of additional risk info


Downside Protection info

Very Poor drop-arrow

Controlled losses during market corrections


Delivered returns without frequent ups and downs


Minimum SIP amount is ₹
Minimum Lumpsum amount is ₹

By continuing, I agree to the Declaration and T&Cs.

none buyable frame

Fresh Investments closed in this fund!

This fund is no longer available to invest

This fund vs
Show performance of:

Scheme Details

ET Money Rank 11 Out of 16
VRO Rating 1
Expense ratio 0.84%  As on Jul 31, 2022
Exit Load 1.0% info
AUM (Fund Size) 491 Crs
Lock-in No Lockin
Age 9 yrs 8 m Since Jan 01, 2013
Benchmark CRISIL Credit Risk Fund CII Index
Min. Investment

SIP 500  &

Lumpsum 5000

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 9 yrs 8 m, having been launched on 01/01/2013. UTI Credit Risk Fund Direct-Growth has ₹491 Crores worth of assets under management (AUM) as on 30/06/2022 and is medium-sized fund of its category. The fund has an expense ratio of 0.84%, which is close to what most other Credit Risk funds charge.
  • UTI Credit Risk Fund Direct-Growth returns of last 1-year are 20.82%. Since launch, it has delivered 4.51% average annual returns.
  • UTI Credit Risk Fund Direct-Growth scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is low.
  • 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 Reserve Bank of India, GOI, Dewan Housing Finance Corpn. Ltd., Tata Power Co. Ltd., Coastal Gujarat Power Ltd..
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Investment Returns Calculator

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You would have earned ₹ 1,001 more by investing in ET Money Direct Plan

Total value Profit
This fund
Category Average
Bank FD

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.

Latest Asset & Portfolio Allocation

as on Aug 31, 2022
Top Stock Holdings

Bifurcation by Holding is not available for this fund

Allocation by Market Cap

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Allocation by Sector

Bifurcation by Sector is not available for this fund

Top Debt Holdings

Reserve Bank of India 10.07%

GOI 8.7%

Dewan Housing Finance Corpn. Ltd. 7.63%

Tata Power Co. Ltd. 6.15%

Allocation by Credit Quality

AA 41.94%

SOV 18.77%

AAA 13.22%

AA- 7.42%

Allocation by Instruments

Debenture 45.28%

Non Convertible Debenture 23.17%

Treasury Bills 10.07%

GOI Securities 8.7%

Other Holdings

Others 7.14%

Comparison with credit risk Funds

as on Sep 12, 2022
0.69 % p.a
This fund


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Trailing Returns and Ranks

as on Sep 12, 2022
Period Trailing returns Category average Rank within category
1 month 0.69% 0.59% 3 / 12
3 months 1.9% 2.25% 8 / 12
6 months 1.95% 2.55% 7 / 12
1 year 20.79% 6.12% 1 / 12
3 years -4.37% 5.56% 12 / 12
5 years -0.97% 5.48% 12 / 12


Level of Risk in the Scheme

Moderately High

Investors understand that their principal will be at Moderately High risk

UTI Credit Risk Fund


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).

  • Std. Dev : 14.42
  • Alpha : -23.1
  • Beta : -16.78
  • Sharpe : -0.48
  • Sortino : -0.54
UTI Mutual Fund

UTI Mutual Fund



See all schemes


₹2,24,279 Crs

As on Jun 30, 2022

  • Phone: 0263 2296993
  • Address: 1st Floor, Signature, Office No.103
    Valsad Dharampur Road

    Mumbai, 396001

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Frequently asked questions

How are the returns of UTI Credit Risk Fund ?

The UTI Credit Risk Fund is a 9 yrs 8 m old fund and has delivered average annual returns of 4.51% since inception.

UTI Credit Risk Fund Returns

1-Year 3-Year 5-Year Since Inception
20.79% -4.37% -0.97% 4.51%

NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.

The NAV of UTI Credit Risk Fund for Sep 09, 2022 is 15.53 .

UTI Credit Risk Fund has an ET Money Rank of # 11 of 16 and a consistency rating of 1 .

This indicates the fund has not generated great returns and even those are not very consistent. You might want to look at other funds in its category.

On ET Money, Investing in UTI Credit Risk Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -

  1. Click on the Invest Now Button present on the top right-hand side.
  2. Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
  3. Provide few more details needed including the bank account from which you will be making the payment and confirm.
  4. That's it. Your SIP or one-time investment in UTI Credit Risk Fund is done.

The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.

The Expense Ratio of the direct plan of UTI Credit Risk Fund is 0.84%.  .

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.

AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.

The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.

The AUM of UTI Credit Risk Fund is ₹491 Crs.

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 41.94%
SOV 18.77%
AAA 13.22%

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

Holding Name Percentage of Portfolio
Reserve Bank of India 10.07%
GOI 8.7%
Dewan Housing Finance Corpn. Ltd. 7.63%
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