What is the current price / NAV of UTI Credit Risk Fund(H-IDCW)?
The current NAV of UTI Credit Risk Fund(H-IDCW) is ₹13.17, as of 20th July 2026.What are the returns of UTI Credit Risk Fund(H-IDCW)?
The UTI Credit Risk Fund(H-IDCW) was launched on 15th September 2014. This mutual fund's past returns are as follows:- 1 Year Returns: 6.51%
- 3 Year Returns: 7.81%
- 5 Year Returns: 10.20%
What are the top 5 sectoral holdings of UTI Credit Risk Fund(H-IDCW)?
The top sectors UTI Credit Risk Fund(H-IDCW) has invested in are as follows:- Others | 25.04%
- G-Sec | 15.18%
- Home Financing | 12.89%
- Power Generation | 9.48%
- Pharmaceuticals | 7.11%
What are the top 5 holdings of UTI Credit Risk Fund(H-IDCW)?
The top 5 holdings for UTI Credit Risk Fund(H-IDCW) are as follows:- NET CURRENT ASSETS | 11.14%
- 7.10% GSEC - MAT - 08/04/2034 | 9.46%
- SPN/DDB JTPM METAL TRADERS LIMITED | 7.59%
- NCD PIRAMAL CAPITAL & HOUSING FINANCE LTD | 6.96%
- NCD VEDANTA LTD | 5.96%
What is the asset allocation of UTI Credit Risk Fund(H-IDCW)?
The asset allocation for UTI Credit Risk Fund(H-IDCW) is as follows:- Corporate Debt | 65.29%
- Government Securities | 15.18%
- Cash & Equivalents | 11.14%
- Secured Debt | 5.79%
- REITs & InvIT | 2.04%
What is the AUM of UTI Credit Risk Fund(H-IDCW)?
The AUM (i.e. assets under management) of UTI Credit Risk Fund(H-IDCW) is ₹254.23 Cr as of 20th July 2026.What is the expense ratio of UTI Credit Risk Fund(H-IDCW)?
The expense ratio of UTI Credit Risk Fund(H-IDCW) Plan is 1.04 as of 20th July 2026.What is the alpha ratio of UTI Credit Risk Fund(H-IDCW)?
The alpha ratio for the UTI Credit Risk Fund(H-IDCW) is 1.01
Alpha is the excess return of a fund compared to its expected return, based on its beta and the risk-free rate. Positive alpha indicates that the fund has outperformed its expected return, while negative alpha suggests underperformance.
What is the volatility or standard deviation of UTI Credit Risk Fund(H-IDCW)?
The volatility or standard deviation for the UTI Credit Risk Fund(H-IDCW) is 0.98
Standard deviation measures the volatility or risk associated with the returns of a mutual fund. A higher standard deviation indicates higher volatility, suggesting that the returns of the mutual fund are more spread out from the average. On the other hand, a lower standard deviation implies lower volatility and a more stable performance.
What is the sharpe ratio of UTI Credit Risk Fund(H-IDCW)?
The Sharpe ratio for the UTI Credit Risk Fund(H-IDCW) is 2.10
The Sharpe ratio is a measure of risk-adjusted return that evaluates the performance of a mutual fund, by adjusting for its risk. Higher Sharpe ratio indicates a better risk-adjusted performance. A positive Sharpe ratio indicates that the MF has provided a return in excess of the risk-free rate for the amount of risk taken. Conversely, a negative Sharpe ratio suggests that the MF did not adequately compensate for the risk.
What is the Sortino ratio of UTI Credit Risk Fund(H-IDCW)?
The Sortino Ratio for the UTI Credit Risk Fund(H-IDCW) is 0.27
The Sortino ratio of a mutual fund is a measure of its risk-adjusted return, considering only downside volatility. It helps investors evaluate how well a fund is performing relative to its downside risk. A higher Sortino ratio (value >1) means the fund generates better returns for the downside risk taken.
UTI Credit Risk Fund(H-IDCW) Direct IDCW
Scorecard
Performance
HighThe creamy layer - amongst the top performing Mutual Funds
Risk
AvgAverage risk vs others in sub-category
Cost
HighHigher costs on pocket vs others
Composition
LowComposition not as great as others
Red flags
LowWe got you covered, no major red flags identified
How to use scorecard? Learn more
UTI Credit Risk Fund(H-IDCW) Direct IDCW
IDCW
₹13.170.02% (+0.00)
High
—
—
Low
—
—
Returns
0.00%
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
1M
6M
1Y
3Y
5Y
Max
SIP
Scorecard
Performance
HighThe creamy layer - amongst the top performing Mutual Funds
Risk
AvgAverage risk vs others in sub-category
Cost
HighHigher costs on pocket vs others
Composition
LowComposition not as great as others
Red flags
LowWe got you covered, no major red flags identified
How to use scorecard? Learn more
UTI Credit Risk Fund(H-IDCW) Performance & Key Metrics
UTI Credit Risk Fund(H-IDCW) Performance & Key Metrics
| Expense RatioExpense Ratio | No LabelNo Label | No LabelNo Label |
|---|---|---|
| 1.04 | 7.80 | 2.10 |
| No LabelNo Label | No LabelNo Label | No LabelNo Label |
|---|---|---|
| 1.15 | 7.91 | 1.86 |
UTI Credit Risk Fund(H-IDCW) Scheme InfoUTI Credit Risk Fund(H-IDCW) Scheme Info
| PlanPlan | Lock inLock in | Exit LoadExit Load |
|---|---|---|
| IDCW | 0 yrs | 1.00% |
| SIP Inv.SIP Inv. | Min. LumpsumMin. Lumpsum |
|---|---|
| Allowed | ₹ 20,000 |
| BenchmarkBenchmark |
|---|
| — |
About Credit Risk Fund
About Credit Risk Fund
Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.
UTI Credit Risk Fund(H-IDCW) Peers
UTI Credit Risk Fund(H-IDCW) Peers & Comparison
Comparing 3 mutual funds from
DebtCredit Risk Fund
DebtCredit Risk Fund
Returns
Scheme
Ratios
| Mutual Fund | 1Y Returns1Y Returns | 3Y CAGR3Y CAGR | Life CAGRLife CAGR |
|---|---|---|---|
| UTI Credit Risk Fund(H-IDCW) | 6.51% | 7.81% | 2.35% |
| HDFC Credit Risk Debt Fund-(Q-IDCW Reinv) | 1.00% | 0.89% | 0.65% |
| ICICI Pru Credit Risk Fund(Q-IDCW Payout) | 1.27% | 1.27% | 1.18% |
| SBI Credit Risk Fund(IDCW-Payout) | 7.73% | 8.47% | 5.55% |
UTI Credit Risk Fund(H-IDCW) Returns Comparison
Compare UTI Credit Risk Fund(H-IDCW) with any MF, ETF, stock or indexCompare UTI Credit Risk Fund(H-IDCW) with any MF, ETF, stock or index
UTI Credit Risk Fund(H-IDCW)
Hmm, looks like data is unavailable here. Please come back after some timeUTI Credit Risk Fund(H-IDCW) Portfolio
UTI Credit Risk Fund(H-IDCW) Asset Allocation
UTI Credit Risk Fund(H-IDCW) Asset Allocation
Actual
Target
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Sep 2025
Dec 2025
Mar 2026
Jun 2026
UTI Credit Risk Fund(H-IDCW) Sector Distribution
UTI Credit Risk Fund(H-IDCW) Sector Distribution
Sep 2025
Dec 2025
Mar 2026
Jun 2026
UTI Credit Risk Fund(H-IDCW) Sector Weightage
UTI Credit Risk Fund(H-IDCW) Sector Weightage
Others
Others as a % of total holdings for last six quarters
UTI Credit Risk Fund(H-IDCW) Current Holdings
UTI Credit Risk Fund(H-IDCW) Current Holdings
Debt
Others
- ConstituentHolding Weight3M Change
Holdings
9.46 %
0.08 %Holdings
7.59 %
7.59 %Holdings
6.96 %
-0.12 %
AMC Profile of UTI Credit Risk Fund(H-IDCW)
AMC Profile of UTI Credit Risk Fund(H-IDCW)
UTI AMC commenced operations from February 1, 2003. It has been promoted by four sponsors, namely, SBI, Life Insurance Corporation of India, Bank of Baroda and Punjab National Bank and each of them hold 25% of the paid up capital of UTI AMC.
UTI AMC commenced operations from February 1, 2003. It has been promoted by four sponsors, namely, SBI, Life Insurance Corporation of India, Bank of Baroda and Punjab National Bank and each of them hold 25% of the paid up capital of UTI AMC.
No.of Schemes
68
Total AUM
₹ 2,55,773.17 Cr.
UTI Credit Risk Fund(H-IDCW) Manager Details
UTI Credit Risk Fund(H-IDCW) Manager Details
UTI Credit Risk Fund(H-IDCW) Manager Profile
UTI Credit Risk Fund(H-IDCW) Manager Profile
Abhishek Sonthalia
AUM: ₹5,567.07 Cr.
|
Exp: 11yrs
Qualification
CFA, B.Com
Past Experience
Mr. Abhishek Sonthalia joined UTI AMC in October 2025. He brings with him over 18 years of professional experience. Mr. Sonthalia began his career as a Process Associate with TCS Ltd. In 2009, he joined CRISIL Ltd as an intern and from 2011 to 2013 as a Rating Analyst. Prior to joining UTI AMC, he was associated with Tata Mutual Fund, where he served as a Credit Analyst from 2013 to 2020 and as a Fund Manager from 2020 until 2025.
Funds Managed (84)
Debt (84)
-0.10%
-0.10%
4.73%
4.73%
1.04%
1.04%
6.49%
6.49%
7.80%
7.80%
1.04%
1.04%
6.50%
6.50%
7.00%
7.00%
1.04%
1.04%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
4.93%
4.93%
7.10%
7.10%
0.84%
0.84%
4.93%
4.93%
5.89%
5.89%
0.84%
0.84%
4.24%
4.24%
6.40%
6.40%
1.49%
1.49%
4.24%
4.24%
5.11%
5.11%
1.49%
1.49%
4.24%
4.24%
6.39%
6.39%
1.49%
1.49%
4.93%
4.93%
7.09%
7.09%
0.84%
0.84%
-2.00%
-2.00%
0.01%
0.01%
0.84%
0.84%
-23.10%
-23.10%
-4.78%
-4.78%
1.49%
1.49%
-1.45%
-1.45%
0.43%
0.43%
0.40%
0.40%
6.51%
6.51%
7.81%
7.81%
1.04%
1.04%
1.00%
1.00%
-5.22%
-5.22%
0.94%
0.94%
1.25%
1.25%
0.39%
0.39%
0.35%
0.35%
5.80%
5.80%
6.68%
6.68%
0.94%
0.94%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
3.54%
3.54%
3.88%
3.88%
0.94%
0.94%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
2.15%
2.15%
3.62%
3.62%
0.40%
0.40%
1.12%
1.12%
1.82%
1.82%
0.35%
0.35%
-0.02%
-0.02%
-0.03%
-0.03%
0.94%
0.94%
2.50%
2.50%
2.59%
2.59%
0.94%
0.94%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
5.42%
5.42%
7.48%
7.48%
0.40%
0.40%
5.42%
5.42%
7.47%
7.47%
0.40%
0.40%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
5.80%
5.80%
6.68%
6.68%
0.94%
0.94%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
6.50%
6.50%
7.81%
7.81%
1.04%
1.04%
-1.16%
-1.16%
0.67%
0.67%
0.83%
0.83%
0.08%
0.08%
0.03%
0.03%
0.35%
0.35%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
5.42%
5.42%
7.47%
7.47%
0.40%
0.40%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
4.54%
4.54%
6.26%
6.26%
0.94%
0.94%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
0.29%
0.29%
0.12%
0.12%
0.94%
0.94%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
4.24%
4.24%
6.40%
6.40%
1.49%
1.49%
-1.45%
-1.45%
0.43%
0.43%
0.40%
0.40%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
-2.00%
-2.00%
0.01%
0.01%
0.84%
0.84%
1.12%
1.12%
1.82%
1.82%
0.35%
0.35%
3.54%
3.54%
3.88%
3.88%
0.94%
0.94%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
4.24%
4.24%
6.39%
6.39%
1.49%
1.49%
4.93%
4.93%
7.09%
7.09%
0.84%
0.84%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
6.49%
6.49%
7.80%
7.80%
1.04%
1.04%
6.50%
6.50%
7.00%
7.00%
1.04%
1.04%
1.00%
1.00%
-5.22%
-5.22%
0.94%
0.94%
-0.10%
-0.10%
4.73%
4.73%
1.04%
1.04%
1.25%
1.25%
0.39%
0.39%
0.35%
0.35%
-23.10%
-23.10%
-4.78%
-4.78%
1.49%
1.49%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
2.15%
2.15%
3.62%
3.62%
0.40%
0.40%
5.80%
5.80%
6.68%
6.68%
0.94%
0.94%
-0.02%
-0.02%
-0.03%
-0.03%
0.94%
0.94%
5.42%
5.42%
7.48%
7.48%
0.40%
0.40%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
2.50%
2.50%
2.59%
2.59%
0.94%
0.94%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
4.24%
4.24%
5.11%
5.11%
1.49%
1.49%
4.93%
4.93%
5.89%
5.89%
0.84%
0.84%
4.93%
4.93%
7.10%
7.10%
0.84%
0.84%
5.80%
5.80%
6.68%
6.68%
0.94%
0.94%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
-1.16%
-1.16%
0.67%
0.67%
0.83%
0.83%
6.47%
6.47%
7.31%
7.31%
0.35%
0.35%
5.42%
5.42%
7.47%
7.47%
0.40%
0.40%
6.50%
6.50%
7.81%
7.81%
1.04%
1.04%
5.42%
5.42%
7.47%
7.47%
0.40%
0.40%
5.73%
5.73%
7.07%
7.07%
1.70%
1.70%
4.94%
4.94%
6.95%
6.95%
0.83%
0.83%
6.51%
6.51%
7.81%
7.81%
1.04%
1.04%
UTI Credit Risk Fund(H-IDCW) Manager Performance (0)
UTI Credit Risk Fund(H-IDCW) Manager Performance (0)
Debt: Credit Risk Fund
UTI Credit Risk Fund(H-IDCW) Review & Opinions
UTI Credit Risk Fund(H-IDCW) Review & Opinions
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