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UTI Credit Risk Fund - G

NAV  ₹17.2173 ↑ 0.02  (0.11 %) as on 14 Aug 25

(Erstwhile UTI Income Opportunities Fund)

Scheme Objective

The investment objective of the scheme is to generate reasonable income and capital appreciation by investing in debt and money market instruments across different maturities and credit ratings. There is no assurance that the investment objective of the scheme will be achieved.

UTI Credit Risk Fund is a Debt - Credit Risk fund launched on 19 Nov 12. It is a fund with Moderate risk and has given a CAGR return of 4.4% since its launch.  Ranked 20 in Credit Risk category.  Return for 2024 was 7.9% , 2023 was 6.6% and 2022 was 3.9% .

Below is the key information for UTI Credit Risk Fund

NAV as on 14 Aug 25₹17.2173 ↑ 0.02  (0.11 %)
Net Assets (AUM) as on 30 Jun 2025 ₹282 Cr.
Launch Date19 Nov 2012
CategoryDebt - Credit Risk
Rating
TypeOpen Ended Fund
RiskModerate
Yield To Maturity7.38%
Effective Maturity2 Years 11 Months 16 Days
Modified Duration2 Years 2 Months 1 Day
Alpha Ratio0.0
Expense Ratio1.63 %
Sharpe Ratio2.119
Information Ratio0.0
BenchmarkNot Available
ISININF789F01QZ1
AMCUTI Asset Management Company Ltd
Min Investment ₹5,000
Min SIP Investment ₹500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Returns

Annual Compounded Returns

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 25

DurationReturns
1 Month 0.2%
3 Month 1.5%
6 Month 4%
1 Year 8.3%
3 Year 7.3%
5 Year 9.4%
10 Year
15 Year
Since launch 4.4%

Historical Annual Returns

Historical performance (Yearly) on absolute basis

YearReturns
2024 7.9%
2023 6.6%
2022 3.9%
2021 21.5%
2020 -27.8%
2019 -4.8%
2018 5.5%
2017 6.9%
2016 10.3%

Growth of 10k Over Years

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,575
31 Jul 22₹12,664
31 Jul 23₹13,518
31 Jul 24₹14,438
31 Jul 25₹15,692
UTI Credit Risk Fund Growth 10k Chart

Asset Allocation

Asset ClassValue
Cash16.09%
Equity1.67%
Debt81.78%
Other0.45%
UTI Credit Risk Fund Asset Allocation

Sector Allocation

SectorValue
Corporate63.24%
Government18.54%
Cash Equivalent16.09%
RatingValue
AA73.87%
AAA26.13%
UTI Credit Risk Fund Debt Allocation

Top Securities Holdings / Portfolio

Holdings/Securities

NameGlobal IndustryHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
11%₹32 Cr305,000,000
Piramal Finance Limited
Debentures | -
8%₹21 Cr277,678
Aadhar Housing Finance Limited
Debentures | -
7%₹20 Cr2,000
TATA Projects Limited
Debentures | -
7%₹20 Cr2,000
Vedanta Limited
Debentures | -
7%₹20 Cr2,000
Aditya Birla Real Estate Limited
Debentures | -
7%₹19 Cr1,900
Avanse Financial Services Limited
Debentures | -
5%₹15 Cr1,450
7.18% Govt Stock 2033
Sovereign Bonds | -
5%₹14 Cr135,000,000
Eris Lifesciences Limited
Debentures | -
4%₹12 Cr1,150
Nirma Limited
Debentures | -
4%₹10 Cr1,000
1 - 10 of 24
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Fund Managers

NameSinceTenure
Sunil Patil21 Jan 250.52 Yr.

Custodians

CompanyAddress
Axis Bank Ltdnull
Deutsche Bank AG MUMBAIDeitsche bank,Kodak House
Stock Holding Corporation of IndiaMittal Court, ‘B’ Wing,,Nariman Point

Registrar & Transfer Agent

KFin Technologies Ltd
Address138 -Suyesh Solitaire, Nr. Podar International School,Kudasan, Gandhinagar, Gujarat
FAXN.A
EmailN.A

Administrator Companies

CompanyAddress
UTI Asset Management Co LtdPMS Division, UTI - Tower, “Gn” Block, Bandra Kurla Complex, Mumbai- 400051

Auditors

CompanyAddress
S. R. BATLIBOI & CoExpress Tower, 6th Floor,Nariman Point,Mumbai

All Plan & Options

Fund and PlanNAV6 Month1 Year3 Year5 Year
UTI Credit Risk Fund
Growth
₹17.2173
↑ 0.02
4.05 %8.27 %7.25 %9.43 %
UTI Credit Risk Fund
Quarterly Dividend, Payout
₹12.2297
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
UTI Credit Risk Fund
Quarterly Dividend, Reinvestment
₹12.2297
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
UTI Credit Risk Fund
Annual Dividend, Payout
₹11.4888
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
UTI Credit Risk Fund
Normal Dividend, Payout
₹11.1768
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
UTI Credit Risk Fund
Normal Dividend, Reinvestment
₹11.1768
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
UTI Credit Risk Fund
Half-Yearly Dividend, Payout
₹11.5503
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
UTI Credit Risk Fund
Half-Yearly Dividend, Reinvestment
₹11.5503
↑ 0.01
4.05 %8.28 %7.25 %9.43 %
Data as on 14 Aug 25

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data.