Which has the lower expense ratio, Nippon India Credit Risk Fund - Growth Plan or UTI Credit Risk Fund - Direct Plan - Growth Option?

Nippon India Credit Risk Fund - Growth Plan's expense ratio is 0.61% versus UTI Credit Risk Fund - Direct Plan - Growth Option's 0.76%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both Nippon India Credit Risk Fund - Growth Plan and UTI Credit Risk Fund - Direct Plan - Growth Option?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

Nippon India Credit Risk Fund - Growth Plan vs UTI Credit Risk Fund - Direct Plan - Growth Option

Q: Nippon India Credit Risk Fund - Growth Plan vs UTI Credit Risk Fund - Direct Plan - Growth Option — which has given better returns?

Nippon India Credit Risk Fund - Growth Plan has a 1-year return of 6.89% versus UTI Credit Risk Fund - Direct Plan - Growth Option's 5.54%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

Nippon India Credit Risk Fund - Growth Plan

Nippon India Mutual Fund

★★★★★

Debt · Credit Risk

UTI Credit Risk Fund - Direct Plan - Growth Option

UTI Mutual Fund

★★★★★

Debt · Credit Risk

Metric	Nippon India Credit Ri...	UTI Credit Risk Fund -...
NAV	₹42.39	₹20.85
Star Rating	★★★★	★★★
Expense Ratio	0.61%	0.76%
AUM	₹1,707 Cr	₹241 Cr
1M Return	+0.09%	-0.13%
3M Return	+1.11%	+0.79%
6M Return	+3.38%	+2.65%
1Y Return	+6.89%	+5.54%
3Y CAGR	+8.69%	+7.54%
5Y CAGR	+7.77%	+6.77%
Risk Level	—	—
Fund Manager	Prashant R.Pimple	Ritesh Nambiar

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