Can I invest in SIP and Lumpsum in UTI-Credit Risk Fund (IDCW-M) Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Credit Risk Fund (IDCW-M). Minimum lumpsum investment UTI-Credit Risk Fund (IDCW-M) is ₹20,000 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Credit Risk Fund (IDCW-M) Direct Growth?

The latest NAV (Net Asset Value) of UTI-Credit Risk Fund (IDCW-M) is UTI-Credit Risk Fund (IDCW-M) is ₹9.85 as on 2025-01-01.

Which are the biggest stock holdings of UTI-Credit Risk Fund (IDCW-M)?

The 5 biggest stock holdings of UTI-Credit Risk Fund (IDCW-M) are: Piramal Capital (7.66%), A B Real Estate (7.65%), Aadhar Hsg. Fin. (6.44%), Tata Projects (6.38%), Godrej Industrie (6.35%)

What are the top sectors UTI-Credit Risk Fund (IDCW-M) invests in?

A majority of UTI-Credit Risk Fund (IDCW-M) 's AUM worth ₹313.43 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
UTI-Credit Risk Fund (IDCW-M)

UTI-Credit Risk Fund (IDCW-M)

Credit Risk Fund

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NAV
9.85(0.02%)
Fund Size (CR)
₹316.12
Expense Ratio
1.65
Scheme Type
Active Fund
Value Research

Min. investment
₹20,000
Minimum Additional Investment
₹500
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
3.07%

Absolute Return: 1.58%

Annualized Return: 0%

Basic Details

Scheme Manager

Ritesh Nambiar

Bench Mark

CRISIL Credit Risk Debt B-II Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	23 December 2024	10009.44	0.09%	-	0.10%	57/92
1 Month	29 November 2024	10041.73	0.42%	-	0.48%	64/92
3 Month	30 September 2024	10156.94	1.57%	-	1.77%	58/92
6 Month	28 June 2024	10423.81	4.24%	-	4.24%	35/92
1 Year	29 December 2023	10787.79	7.88%	7.88%	8.34%	63/92
3 Year	30 December 2021	11946.06	19.46%	6.11%	7.86%	72/91
5 Year	30 December 2019	10479.59	4.80%	0.94%	6.30%	91/92
Since Inception	28 November 2014	13571.80	35.72%	3.07%	6.73%	87/92

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 January 2024	1,30,000	186294.19	43.30%	43.30%
3 Year	3 January 2022	3,70,000	566069.48	52.99%	15.23%
5 Year	1 January 2020	6,10,000	1020165.81	67.24%	10.83%
10 Year	1 January 2015	12,10,000	1812546.00	49.80%	4.12%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 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 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

0.28%

Standard Deviation

0.03%

Beta

-0.87%

Sharpe Ratio

1.21%

Treynor's Ratio

-1.02%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
Piramal Capital	7.66%	317678	23.99	NCD	Debt Others
A B Real Estate	7.65%	2400	23.97	NCD	Debt Others
Aadhar Hsg. Fin.	6.44%	2000	20.19	NCD	Debt Others
Tata Projects	6.38%	200	20.00	NCD	Debt Others
Godrej Industrie	6.35%	200	19.90	NCD	Debt Others
TVS Credit Serv.	4.83%	150	15.15	NCD	Debt Others
Nirma	4.79%	1500	15.01	NCD	Debt Others
G R Infraproject	4.78%	150	14.99	NCD	Debt Others
ERIS Lifescience	3.69%	1150	11.56	NCD	Debt Others
ERIS Lifescience	3.69%	1150	11.58	NCD	Debt Others

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Aditya Birla SL Credit Risk Fund - Dir (IDCW)	933.02	0.40%	4.24%	7.52%	12.83%	9.56%
Aditya Birla SL Credit Risk Fund - Dir (Bonus)	933.02	0.40%	4.24%	7.53%	12.83%	9.55%
Aditya Birla SL Credit Risk Fund - Dir (G)	933.02	0.40%	4.24%	7.53%	12.83%	9.55%
DSP Credit Risk Fund - Direct (IDCW-W)	188.49	0.58%	1.83%	4.25%	9.35%	9.40%
ICICI Pru Credit Risk Fund - Direct (G)	6418.69	0.45%	1.66%	4.57%	9.15%	7.61%

News

UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 01 January 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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UTI MF announces change in benchmark index under its schemes

UTI Mutual Fund has announced change in the benchmark of UTI Annual Interval Fund ' I with effect from November 29, 2024

Changes in Benchmark Index:

Scheme Name	Existing Tier I Benchmark as per PRC Matrix	Revised Tier I Benchmark as per PRC Matrix
UTI Annual Interval Fund ' I	CRISIL Low Duration Debt Index	CRISIL Low Duration Debt A-I Index
UTI Annual Interval Fund - II	CRISIL Low Duration Debt Index	CRISIL Low Duration Debt A-I Index
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Short Duration Debt A-II Index

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UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 02 December 2024 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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Fund House Details & Investment Objective

Date of Incorporation

15 September 2014

Total AUM (Cr)

₹313.43

UTI-Credit Risk Fund (IDCW-M) is an Credit Risk Fund-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 15 September 2014, this fund is managed by Ritesh Nambiar. With assets under management (AUM) worth ₹313.43 (Cr), as of 1 January 2025, UTI-Credit Risk Fund (IDCW-M) is categorized as a Credit Risk Fund within its segment. The fund has generated a return of 3.07% since its launch.
The current NAV of UTI-Credit Risk Fund (IDCW-M) is ₹9.85, as on 1 January 2025. The fund's benchmark index is CRISIL Credit Risk Debt B-II Index. You can invest in UTI-Credit Risk Fund (IDCW-M) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹20,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Redemption / switch out within 12 months from the date of allotment - (i) upto 10% of the alloted units - Nil (ii) beyond 10% of the alloted units - 1.00% Redemption / swith out after 12 months from the date of allotment - Nil The fund has generated 6.11% and 0.94% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 87.17% in Debt and 12.83% in cash and cash equivalents.

FAQs

How to Invest in UTI-Credit Risk Fund (IDCW-M) Direct Growth?

UTI-Credit Risk Fund (IDCW-M) is a popular fund in the Credit Risk Fund segment. The fund has generated a return of 3.07% since inception. Looking to invest in UTI-Credit Risk Fund (IDCW-M) How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Credit Risk Fund (IDCW-M) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Credit Risk Fund (IDCW-M)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Credit Risk Fund (IDCW-M) today and reap the benefits of this Credit Risk Fund fund!

How much returns has UTI-Credit Risk Fund (IDCW-M) Direct Growth generated?

In the short term, i.e., 1 year, UTI-Credit Risk Fund (IDCW-M) has generated annualised return of 7.88%. In the long-term, the fund has generated 6.11% and 0.94% in 3 and 5 years respectively. Since its inception, the fund has generated 3.07% returns.

What is the expense ratio of UTI-Credit Risk Fund (IDCW-M) Direct Growth?

The expense ratio of UTI-Credit Risk Fund (IDCW-M) Direct Growth is 1.65%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Credit Risk Fund (IDCW-M) Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Credit Risk Fund (IDCW-M) is ₹313.43 (Cr) as of 2025-01-01 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Credit Risk Fund (IDCW-M) Direct Growth?

Redeeming or selling units of UTI-Credit Risk Fund (IDCW-M) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Credit Risk Fund (IDCW-M):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Credit Risk Fund (IDCW-M)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).