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UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW
★★★★★ monitor_heart Health Score: 57/100 · AverageUTI Mutual Fund · Debt · Credit Risk Fund
₹12.19
AUM: ₹250 Cr
NAV updated about 1 month ago
Plan
Regular
Option
Idcw
Risk
Moderate to High
Expense Ratio
1.04%
Exit Load
For units in excess of 10% of the investment,1% will be charged for redemption within 365 days
Fund Manager
Ritesh Nambiar
Inception
Jan 2013
Benchmark
CRISIL Credit Risk Debt B-II Index
Sharpe Ratio
-0.64
Std Dev (1Y)
0.98%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+1.17%
3m
+1.67%
6m
+3.14%
1y
+6.45%
3y
+7.75%
5y
+10.16%
10y
+3.64%
since inception
+1.8%
rate_review TopFund's Take on UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW
UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW sits in the middle of the pack for Credit Risk Fund funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 57/100.
Cost: At 1.04%, the expense ratio runs 49% above the Credit Risk Fund category average of 0.7%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.64 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 0.98% is on the lower side, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW
The current NAV (Net Asset Value) of UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW is ₹12.19. NAV is updated every business day after market close by AMFI.
1Y: 6.45% · 3Y CAGR: 7.75% · 5Y CAGR: 10.16%
The expense ratio is 1.04% per annum — the annual fee deducted from your investment to cover fund management costs.
UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW is managed by Ritesh Nambiar at UTI Mutual Fund.
UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW is a Moderate to High risk fund. Suitable for investors with a moderate risk appetite.
UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW is a Credit Risk Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of UTI Credit Risk Fund - Regular Plan - Half-Yearly IDCW is ₹251 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.