3 Year return

Launched on January 2013 (11 years)

Investment Details


Minimum SIP Amount


Minimum one time investment

Fund has no lock-in period

Calculate Returns

Based on past performance of this fund


Your Investment ₹3,00,000
  • Total Value


Your Investment
  • Total Value

Risk Involved


Your principal will be at

Moderately High Risk

Scheme Information

Asset Under Management

₹387.86 Cr.

Expense Ratio

0.89% (inclusive of GST)

Exit Load

Redemption / switch out within 12 months from the date of allotment - (i) upto 10% of the alloted units - Nil (ii) beyond 10% of the alloted units - 1.00% Redemption / swith out after 12 months from the date of allotment - Nil


ARQ Rating

Ratings by other agencies


Tax Implications

Tax on gains as per your income tax bracket

Fund Holdings


UTI Mutual Fund Managers


Ritesh Nambiar

Fund Manager since Jul 2012

View Details

Fund House Details

UTI Mutual Fund

UTI Mutual Fund Asset management company

AUM ₹310,822.41 Cr.
No. of Schemes 250
Setup Date NA

Peer Comparison

Comparison with other similar funds

Schemes by UTI Mutual Fund

List of mutual fund schemes by AMC

Funds 3 Years Returns
scheme logo

Hybrid . Aggressive Hybrid Fund

UTI Aggressive Hybrid Fund Direct Plan Growth


About UTI Credit Risk Fund Direct Plan Growth

UTI Credit Risk Fund Direct Plan Growth, a part of UTI Mutual Fund, falls under the debt fund category. Debt funds primarily invest in fixed-income securities like bonds, government securities, and money market instruments. UTI Mutual Fund is a well-established asset management company known for its diverse range of mutual fund offerings.

Investment Objectives of the Scheme

The primary goal of UTI Credit Risk Fund Direct Plan Growth is to generate income by investing predominantly in debt and money market instruments that have a credit rating below AAA. This indicates that the fund targets relatively higher yields by investing in slightly riskier securities. The aim is to provide investors with regular income along with potential capital appreciation over the medium to long term.

Key Features of The Fund

5-year return -0.04%
Expense Ratio 0.89%
Fund Manager Ritesh Nambiar
Fund Size ₹387.86 Cr
Risk Profile Moderately High

Is This Scheme Right for Me?

UTI Credit Risk Fund Direct Plan Growth is suitable for investors seeking a higher level of returns than traditional fixed deposits while being comfortable with a moderate level of risk. It's important to note that while the fund aims for better returns, the credit risk associated with investing in lower-rated securities can impact the fund's performance. Therefore, this fund is more suitable for investors who have a moderate risk appetite and a longer investment horizon.

AMC Contact Details

Name UTI Mutual Fund
Launch Date January 2003
Addresss First Floor, Unit No. 2, Block ‘B’, JVPD Scheme, Gulmohar Cross Road No. 9, Andheri (West), Mumbai – 400049.
Contact 1800 266 1230 (+91) 022 6227 8000 022 – 68990800
Email service@uti.co.in
Website https://www.utimf.com/

Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.

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What is today's NAV of UTI Credit Risk Fund?

NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of UTI Credit Risk Fund Jul 18 2024 is 17.7288

What is the AUM of UTI Credit Risk Fund?

Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of UTI Credit Risk Fund is 387.86 crore.

What is the expense ratio of UTI Credit Risk Fund?

The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund’s returns. The expense ratio of UTI Credit Risk Fund is 0.89%

What are the returns of UTI Credit Risk Fund since inception?

The UTI Credit Risk Fund was launched on Jan 01 2013. The fund has delivered a CAGR of 4.97 since inception.

What is the minimum SIP amount to invest in UTI Credit Risk Fund?

A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for UTI Credit Risk Fund is 500.

How do I invest in UTI Credit Risk Fund?

  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.

How to start an SIP in UTI Credit Risk Fund?

  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.

How do I automate an SIP in UTI Credit Risk Fund?

  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.

How can I withdraw/redeem my investment in UTI Credit Risk Fund?

  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.