Uti Credit Risk Fund Regular Plan-flexi Idcw
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Fund Overview
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₹277.3 CrAUM
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₹11.24NAV
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1.65%Expense Ratio
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DebtFund Category
Returns of Uti Credit Risk Fund Regular Plan-flexi Idcw
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.33% | NA | 1.56% |
| 6 Months | 4.09% | NA | 6.78% |
| 1 Year | 7.51% | 7.51% | 11.50% |
| 3 Years | 23.40% | 7.26% | 9.30% |
| 5 Years | 57.40% | 9.50% | 10.13% |
| 7 Years | 7.42% | 1.03% | NA |
| 10 Years | 34.28% | 2.99% | 7.32% |
Asset Allocation
debt instruments
84.83%other assets or cash equivalents
13.46%Uti Credit Risk Fund Regular Plan-flexi Idcw is one Debt mutual fund offered by UTI Mutual Fund. the fund aims Reasonable income and capital appreciation over medium to long term. Investment in debt and money market instruments. It manages assets worth ₹277.3 crore as on Thu Jul 31, 2025. The expense ratio stands at 1.65%. Fund Manager Manager Education
The portfolio allocation consists of 84.83% in debt instruments, 13.46% in other assets or cash equivalents. Managed by Sunil Madhukar Patil, it has delivered a return of 7.51% in the last year, a total return since inception of 4.36%.
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Standard Deviation0.84%
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Sharpe Ratio0.77%
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Alpha4.26%
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Beta1.96%
Fund Details
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Fund NamesUti Credit Risk Fund Regular Plan-flexi Idcw
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Lock InNo Lock-in
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SIP Minimum Investment amount₹ 500
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SWP Minimum Investment amount₹ 500
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STP Minimum Investment amount₹ 100
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RiskPrincipal at moderately high risk
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Category Average Annual Returns11.50
Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
Uti Conservative Hybrid Fund  |
₹1,707.10 Cr | 0.81% | 1.06% | 4.40% | 9.75% | 10.75% |
| Uti Credit Risk Fund |
₹277.27 Cr | 0.72% | 1.61% | 8.19% | 8.05% | 10.28% |
| Uti Dynamic Bond Fund |
₹481.67 Cr | 0.60% | 0.37% | 7.02% | 7.73% | 9.19% |
| Uti Low Duration Fund |
₹3,211.14 Cr | 0.48% | 1.45% | 7.81% | 7.38% | 7.07% |
| Uti Short Duration Fund |
₹3,295.53 Cr | 0.47% | 1.12% | 7.79% | 7.39% | 7.04% |
| Aditya Birla Sun Life Corporate Bond Fund |
₹28,596.86 Cr | 0.51% | 0.89% | 7.80% | 7.90% | 6.67% |
| Uti Money Market Fund |
₹20,553.67 Cr | 0.48% | 1.54% | 7.95% | 7.64% | 6.22% |
| Uti Liquid Fund |
₹29,013.49 Cr | 0.48% | 1.45% | 6.96% | 7.09% | 5.72% |
| Sbi Magnum Ultra Short Duration Fund |
₹15,902.29 Cr | 0.46% | 1.46% | 7.28% | 7.09% | 5.71% |
| Uti Liquid Fund |
₹29,013.49 Cr | 0.47% | 1.43% | 6.87% | 7.00% | 5.63% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from UTI Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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Uti Liquid Regular Plan-flexi Idcw
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₹29,013 Cr | 0.47% | 1.43% | 3.28% | 6.87% | 7.00% |
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Uti Liquid Direct-flexi Idcw
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₹29,013 Cr | 0.48% | 1.45% | 3.32% | 6.96% | 7.09% |
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Uti Money Market Fund Direct-flexi Idcw
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₹20,554 Cr | 0.48% | 1.54% | 4.13% | 7.95% | 7.64% |
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Uti Short Duration Regular Plan-flexi Idcw
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₹3,296 Cr | 0.47% | 1.12% | 4.26% | 7.79% | 7.39% |
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Uti Short Duration Direct-flexi Idcw
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₹3,296 Cr | 0.51% | 1.23% | 4.49% | 8.25% | 7.96% |
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Uti Low Duration Fund Regular Plan-bonus
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₹3,211 Cr | 0.48% | 1.45% | 4.14% | 7.81% | 7.38% |
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Uti Conservative Hybrid Fund Regular Plan-flexi Idcw
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₹1,707 Cr | 0.81% | 1.06% | 5.26% | 4.40% | 9.75% |
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Uti Dynamic Bond Fund Regular Plan-flexi Idcw
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₹482 Cr | 0.53% | 0.16% | 3.15% | 6.12% | 6.84% |
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Uti Dynamic Bond Fund Direct-flexi Idcw
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₹482 Cr | 0.60% | 0.37% | 3.59% | 7.02% | 7.73% |
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Uti Credit Risk Fund Direct-flexi Idcw
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₹277 Cr | 0.72% | 1.61% | 4.32% | 8.19% | 8.05% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Tax Information
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.
Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| Uti Liquid Regular Plan-flexi Idcw |
₹29,013.49 Cr | ₹1,576.78 | 7.00% | 5.63% | 6.19% |
| Uti Liquid Direct-flexi Idcw |
₹29,013.49 Cr | ₹1,586.16 | 7.09% | 5.72% | 6.27% |
| Aditya Birla Sun Life Corporate Bond Fund Direct-discipline Advantage Plan |
₹28,596.86 Cr | ₹10.81 | 7.90% | 6.67% | 7.85% |
| Uti Money Market Fund Direct-flexi Idcw |
₹20,553.67 Cr | ₹1,625.31 | 7.64% | 6.22% | 6.88% |
| Sbi Magnum Ultra Short Duration Fund Regular ( Automatic Reinvestment) |
₹15,902.29 Cr | ₹1,264.64 | 7.09% | 5.71% | 6.55% |
| Uti Short Duration Regular Plan-flexi Idcw |
₹3,295.53 Cr | ₹18.35 | 7.39% | 7.04% | 6.34% |
| Uti Low Duration Fund Regular Plan-bonus |
₹3,211.14 Cr | ₹3,009.68 | 7.38% | 7.07% | 6.20% |
| Uti Conservative Hybrid Fund Regular Plan-flexi Idcw |
₹1,707.10 Cr | ₹45.56 | 9.75% | 10.75% | 8.28% |
| Uti Dynamic Bond Fund Direct-flexi Idcw |
₹481.67 Cr | ₹16.98 | 7.73% | 9.19% | 7.44% |
| Uti Credit Risk Fund Direct-flexi Idcw |
₹277.27 Cr | ₹12.44 | 8.05% | 10.28% | 3.91% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Net Current Assets | Unspecified | 13.46% | ₹37.33 Cr |
| Government Of India 34208 Goi 08ap34 7.1 Fv Rs 100 | Entities | 11.47% | ₹31.79 Cr |
| Aadhar Housing Finance Limited 8.65 Ncd 21ag27 Fvrs1lac | Financial | 7.35% | ₹20.37 Cr |
| Tata Projects Limited Sr O 8.47 Ncd 20nv26 Fvrs1lac | Industrials | 7.32% | ₹20.29 Cr |
| Vedanta Limited Sr 2 9.50 Ncd 20ag27 Fvrs1lac | Materials | 7.30% | ₹20.23 Cr |
| Dewan Housing Finance Corporation Ltd Debenture 6.75 26/09/2031 | Financial | 7.12% | ₹19.73 Cr |
| Century Textiles And Industries Limited Sr Xxi 8.10 Loa 25ap26 Fvrs1lac | Materials | 6.89% | ₹19.11 Cr |
| Avanse Financial Services Limited Sr 40 9.60 Ncd 30ap27 Fvrs1lac | Financial | 5.25% | ₹14.56 Cr |
| Goi Sec 7.18 14/08/2033 | Entities | 5.09% | ₹14.12 Cr |
| Eris Lifesciences Limited Strpp Ii 8.73 Ncd 07ju27 Fvrs1lac | Healthcare | 4.23% | ₹11.72 Cr |
| Nirma Limited Sr Vii Tr B 8.40 Ncd 07ap26 Fvrs1lac | Consumer Staples | 3.63% | ₹10.07 Cr |
| Small Industries Development Bank Of India Sr Iv 7.11 Bd 27fb26 Fvrs10lac | Financial | 3.62% | ₹10.05 Cr |
| 360 One Prime Limited Sr Iv Tr I 9.41 Ncd 18jn26 Fvrs1000 | Financial | 3.62% | ₹10.05 Cr |
| Aditya Birla Renewables Limited 8.6 Ncd 24sp27 Fvrs1lac | Energy & Utilities | 3.31% | ₹9.18 Cr |
| Eris Lifesciences Limited Strpp I 8.73 Ncd 07dc26 Fvrs1lac | Healthcare | 3.11% | ₹8.63 Cr |
| Motilal Oswal Finvest Limited Sr S-f1 9.50 Loa 12sp25 Fvrs1lac | Financial | 3.07% | ₹8.52 Cr |
| Bharat Highways Invit | Industrials | 1.71% | ₹4.73 Cr |
| State Development Loan 32803 Up 29mr33 7.79 Fv Rs 100 | Unspecified | 0.84% | ₹2.32 Cr |
| Central Government Loan 31280 Goi 17jn32 6.54 Fv Rs 100 | Entities | 0.73% | ₹2.03 Cr |
| Others Class A2 Aif | Unspecified | 0.46% | ₹1.26 Cr |
| Government Of India 31909 Goi 22ag32 7.26 Fv Rs 100 | Entities | 0.38% | ₹1.05 Cr |
| Others Cblo | Unspecified | 0.05% | ₹0.13 Cr |
| Government Of India 31719 Goi 20ju27 7.38 Fv Rs 100 | Entities | 0.00% | ₹0.00 Cr |
Top Debt Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| Uti Credit Risk Fund Direct-flexi Idcw |
₹12.44 | 8.05% | 10.28% | - |
| Uti Credit Risk Fund Direct-growth |
₹19.59 | 8.05% | 10.28% | - |
| Aditya Birla Sun Life Credit Risk Fund Direct-growth |
₹25.01 | 11.45% | 10.27% | - |
| Uti Credit Risk Fund Regular Plan-flexi Idcw |
₹11.24 | 7.28% | 9.48% | - |
| Uti Credit Risk Fund Regular Plan-growth |
₹17.32 | 7.28% | 9.48% | - |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹22.78 | 10.48% | 9.32% | - |
| Sbi Credit Risk Fund Direct-growth |
₹50.10 | 8.77% | 7.68% | - |
| Sbi Credit Risk Fund-growth |
₹46.33 | 8.07% | 7.00% | - |
| Kotak Credit Risk Fund Direct-growth |
₹33.85 | 8.26% | 6.81% | - |
| Kotak Credit Risk Fund Regular-growth |
₹30.03 | 7.24% | 5.78% | - |
growth is based on 5Y returns of the funds
- 3 Months: 1.33%
- 6 Months: 4.09%
- 3 Years CAGR: 7.26%
- 5 Years CAGR: 9.50%
- Since Inception: 4.36%
- Net Current Assets – 13.46% of the fund's portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – 11.47% of the fund's portfolio
- AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC – 7.35% of the fund's portfolio
- TATA PROJECTS LIMITED SR O 8.47 NCD 20NV26 FVRS1LAC – 7.32% of the fund's portfolio
- VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC – 7.30% of the fund's portfolio
- Financial – 30.03% of the fund's portfolio
- Entities – 17.67% of the fund's portfolio
- Unspecified – 14.80% of the fund's portfolio
- Materials – 14.19% of the fund's portfolio
- Industrials – 9.02% of the fund's portfolio
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
