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  • UTI Asset Management Co Ltd
  • UTI Credit Risk Fund (Dividend Payout - Annually)

Formerly UTI Income Opportunities Reg Ann DP

UTI Credit Risk Fund (Dividend Payout - Annually)

UTI Credit Risk Fund (Dividend Payout - Annually)

Debt

Credit Risk

7.5053

NAV (Nov 25)

Scripbox Opinion

Not Recommended

Click here for top ranked funds in credit risk mutual funds.

However, Scripbox does not recommend investing in credit risk mutual funds.

Credit Risk Funds are mandated to invest more than 65% of the portfolio in Corporate Bonds rated AA or below.

These instruments carry a high default risk.

The events of the recent past have shown the impact of poor credit quality on such funds.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

6 Years

The Fund has Sufficient history for analysis and the track record is good.

Relative Size

354 Cr

Medium within the category

Impact of Interest Rate Changes

Moderate Interest Rate Risk

The impact on fund value is moderate when interest rates change

Credit Quality Of Fund's Portfolio

High Credit Risk

The fund has a lower credit quality compared to other debt funds

Short Term Money

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

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    Historical growth rate of 6.5% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment
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Scheme Information

Investment Objective

The investment objective of 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). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Low

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Moderately Low

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Moderate

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Moderately High

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High

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Moderate Risk

1.6 %

Expense Ratio

Dec 16, 2014

Launched (6y ago)

₹ 354

AUM in Crores

INF789FA1V60

ISIN

No Lock-in

Lock-in

CRISIL Short Term Credit Risk TR INR

Benchmark

₹ 1,000

SIP Minimum

₹ 5,000

Lumpsum Min.

Fund Managers
user-avatar

Ritesh Nambiar

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 965,796 ₹ 233,18411.25%
EPF70% ₹ 900,761 ₹ 168,1498.50%
Property70% ₹ 867,662 ₹ 135,0507.00%
PPF70% ₹ 869,819 ₹ 137,2077.10%
Bank FD70% ₹ 846,471 ₹ 113,8596.00%
Gold70% ₹ 846,471 ₹ 113,8596.00%
Savings Bank70% ₹ 825,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
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asset-allocation

Asset allocation and Holdings

Last updated on 2020-11-25

Top Stock Holdings

7.26% govt stock 2029

9.2%
9.2%

Amba river coke limited

8.6%
8.6%

Muthoot finance limited

7.1%
7.1%

Canfin homes limited

7.1%
7.1%

The tata power company limited

6%
6%
See all holdingsright-arrow
allocation by market cap
comparison

Comparison with Debt Funds

Kotak Savings Fund (G)

Kotak Savings Fund (G)

Ultra Short

Recommended

Top Ranked

16 Years

Age

5

Track Record

SBI Magnum Ultra Short Duration Fund (G)

SBI Magnum Ultra Short Duration Fund (G)

Ultra Short

Recommended

Top Ranked

21 Years

Age

5

Track Record

Aditya Birla Sun Life Liquid (G)

Aditya Birla Sun Life Liquid (G)

Liquid

Recommended

Top Ranked

16 Years

Age

5

Track Record

Nippon India Liquid Fund (G)

Nippon India Liquid Fund (G)

Liquid

Recommended

Top Ranked

17 Years

Age

5

Track Record

ICICI Prudential Savings Fund (G)

ICICI Prudential Savings Fund (G)

Low Duration

Recommended

Top Ranked

18 Years

Age

5

Track Record

amc-icon

About the AMC

UTI Asset Management Company Ltd

UTI Asset Management Co Ltd manages assets worth 131,126 crores and was set up on 3 December 1993. It's current offering of mutual fund schemes includes 56 equity,485 debt and 34 hybrid funds.

amc-img

  • tel-amc-about
    022-62278000
  • mail-amc-about
    invest@utico.in
  • UTI Nifty Index Fund (G)

    UTI Nifty Index Fund (G)

    Index Funds

    Recommended

    Top Ranked

    ₹ 2,852 Cr

    Fund Size

    8.3%

    3Y returns

    UTI Nifty Index Fund (DP-A)

    UTI Nifty Index Fund (DP-A)

    Index Funds

    Top Ranked

    ₹ 2,852 Cr

    Fund Size

    8.3%

    3Y returns

    UTI Nifty Index Fund (DR-A)

    UTI Nifty Index Fund (DR-A)

    Index Funds

    Top Ranked

    ₹ 2,852 Cr

    Fund Size

    8.3%

    3Y returns

    UTI Ultra Short Term Fund (G)

    UTI Ultra Short Term Fund (G)

    Ultra Short

    Top Ranked

    ₹ 1,486 Cr

    Fund Size

    5.2%

    3Y returns

    UTI Treasury Advantage Fund (G)

    UTI Treasury Advantage Fund (G)

    Low Duration

    Top Ranked

    ₹ 3,015 Cr

    Fund Size

    3.4%

    3Y returns

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    Investment Calculator

    Investment Duration5 years

    ₹ 0

    Total Investment

    ₹ 0

    Wealth Gained

    ₹ 0

    Total Corpus Created (₹)

    With assumed returns of 6.5 %
    How does Scripbox rate funds?

    Proprietary system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Relative Size

    Relative Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Category View

    Category View

    We check if the sub-category of the fund is recommended by us.

    Consistency Of Performance

    Consistency Of Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Relative Size

    Relative Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Quality Of Fund’s Portfolio

    Credit Quality Of Fund’s Portfolio

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Equity Funds

    Debt Funds

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    About UTI Credit Risk Fund (DP-A)

    About UTI Credit Risk Fund (DP-A)

    UTI Credit Risk Fund (DP-A) is a credit risk debt fund and has delivered an annualised return of -2.3% over a period of 6 years .The fund was previously known as UTI Income Opportunities Reg Ann DP.The fund is managed by UTI Asset Management Co Ltd.The fund manager’s name is Ritesh Nambiar.

    UTI Credit Risk Fund (DP-A) Investment Objective

    The investment objective of 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). However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. However, there is no assurance that the objective of the scheme will be realized.

    UTI Credit Risk Fund (DP-A) NAV,AUM,Risk

    The UTI Credit Risk Fund (DP-A) fund was launched on Dec 16, 2014. The NAV (Net Asset Value) of this credit risk debt as of 2020-11-25 is ₹ 7.5053. The total AUM (Asset Under Management) of the fund as of 2020-11-26 is ₹ 353.790. The category risk of the UTI Credit Risk Fund (DP-A) fund is Moderate Risk. The fund charges 1.6 % as expense ratio.

    UTI Credit Risk Fund (DP-A) Holdings

    The fund’s highest allocation is towards debt and has invested 87.0% in this asset class. The top three holdings of the fund are 7.26% govt stock 2029,amba river coke limited and muthoot finance limited

    UTI Credit Risk Fund (DP-A) SIP

    The minimum SIP (Systematic Investment Plan) amount for this is ₹ 1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    UTI Credit Risk Fund (DP-A) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to CRISIL Short Term Credit Risk TR INR.

    UTI Credit Risk Fund (DP-A) Review

    UTI Credit Risk Fund (DP-A) has a score of 1 on a scale of 5. The fund scores 4 out of 5 based on historical performance. As compared to the other funds in its category, UTI Credit Risk Fund (DP-A) has a score of 3 out of 5. The credit risk of the fund is 2 out of 5 as compared to other debt funds.

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