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UTI Credit Risk Fund(M-IDCW)

IDCW
DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 302 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
11.130.06% (+0.01)

Price Chart

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Returns
0.00%
1M
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Max
SIP
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1M
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DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 302 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
1.158.096.05
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.168.235.28

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
Nil upto 10% of units and 1% for remaining units on or before 12M Nil after 12M
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 20,000
Initial: ₹ 20,000 Incremental: ₹ 500
BenchmarkBenchmark
CRISIL Credit Risk Debt Index

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.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund
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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
UTI Credit Risk Fund(M-IDCW)8.60%7.00%1.03%
HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)0.55%-0.06%0.63%
ICICI Pru Credit Risk Fund(Q-IDCW Payout)-0.34%0.45%1.09%
SBI Credit Risk Fund(IDCW-Payout)8.81%7.67%5.19%

Price Comparison

Compare UTI Credit Risk Fund(M-IDCW) with any MF, ETF, stock or index
Compare UTI Credit Risk Fund(M-IDCW) with any MF, ETF, stock or index
UTI Credit Risk Fund(M-IDCW)
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Asset Allocation

Actual

Target

Jun 2024

Sep 2024

Dec 2024

Jan 2025

ACTUAL
DepositsCash & EquivalentsGovernment SecuritiesCorporate Debt0.05%0.40%15.01%16.67%67.87%

Jun 2024

Sep 2024

Dec 2024

Jan 2025

Tickertape Separator

Sector Distribution

+5 moreInvestment Banking & BrokerageDiversified ChemicalsHome FinancingG-SecOthers26.48 %11.19 %12.86 %14.40 %16.67 %18.39 %

Jun 2024

Sep 2024

Dec 2024

Jan 2025

Tickertape Separator

Sector Weightage

Dec 23Mar 24Jun 24Sep 24Dec 24Jan 2513.73%6.45%4.93%9.54%20.73%18.39%
Others as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change

AMC Profile

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

    67

  • Total AUM

    ₹ 2,16,626.71 Cr.

Fund Manager Profile

Sunil Patil

AUM:  ₹8,677.86 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 16yrs

Qualification

M.Com, MFM,CAIIB-I,Certificate Examination of IIB for the Employees of UTI

Past Experience

Shri Sunil Patil joined UTI AMC in October 1989.He has 16 years of experience in Primary Market Investment and Dealing and 7 years of experience in Fund Management.

Funds Managed (131)
8.59%
7.00%
1.15%
6.18%
6.20%
1.15%
8.58%
7.00%
1.15%
8.60%
7.00%
1.15%
8.58%
7.00%
1.15%
8.59%
7.00%
1.15%
8.60%
7.00%
1.15%
6.18%
6.20%
1.15%
8.60%
7.00%
1.15%
8.60%
7.00%
1.15%

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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