Analyst’s Choice
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|
---|---|---|---|---|---|---|
UTI Credit Risk Fund - Regular Plan
|
Moderately High
|
Please wait... |
1.63 |
|||
High
|
Please wait... |
1.45 |
||||
Moderately High
|
Please wait... |
1.57 |
||||
High
|
Please wait... |
1.45 |
||||
High
|
Please wait... |
1.55 |
₹370 Cr
1.00 (365)
500
500
500
6
Investment Strategy
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).
Suitability
"Credit risk funds invest mainly in bonds which are rated AA or below by credit rating agencies. The lower rating indicates a higher possibility of these bonds defaulting on repayment of investors' money. Therefore, these funds are the riskiest among debt fund categories. But they compensate for this additional risk with a higher return potential as these bonds offer better rates of interest than the highest rated bonds.
However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."
Capital Gains Taxation
Dividend Taxation
UTI Credit Risk Fund - Regular Plan is mandated to invest at least 65 per cent of its assets in corporate bonds rated AA and below.
Mutual funds can be bought directly from the website of the fund house. For instance, UTI Credit Risk Fund - Regular Plan fund can be purchased from the website of UTI Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.
The NAV of UTI Credit Risk Fund - Regular Plan is ₹15.8844 as of 14-Aug-2024.
The AUM of UTI Credit Risk Fund - Regular Plan Fund is ₹370 Cr as of 31-Jul-2024
The riskometer level of UTI Credit Risk Fund - Regular Plan is Moderately High. See More
Company | Percentage of Portfolio |
---|---|
GOI Sec 7.18 14/08/2033 |
7.80
|
GOI Sec 7.10 08/04/2034 |
7.79
|
Piramal Capital & Housing Finance Ltd Debenture 6.75 26/09/2031 |
6.91
|
Tata Motors Ltd SR-E-26 B Debenture 9.81 20/08/2024 |
6.75
|
Godrej Industries Ltd NCD 7.17 14/05/2025 |
6.69
|
As of 31-Jul-2024, UTI Credit Risk Fund - Regular Plan had invested 94.55% in Debt and 5.45% in Cash & Cash Eq. See More
UTI Credit Risk Fund - Regular Plan is 11 years 9 months old. It has delivered 4.02% returns since inception. See More
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
---|---|---|---|---|---|
6.95%
|
10.94%
|
-0.67%
|
0.53%
|
3.19%
|
4.02%
|
No, There is no lock in period in UTI Credit Risk Fund - Regular Plan.
The expense ratio of UTI Credit Risk Fund - Regular Plan is 1.63.