• right-arrow
  • Mutual Funds
    right-arrow
  • UTI Mutual Fund
    right-arrow
  • UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

Formerly UTI Credit Risk Reg Ann DR

UTI Mutual Fund

UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

DebtCredit Risk

9.1094

NAV (Oct 21)

-5.8%
3 Year CAGR
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

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

Relative Size

579 Cr. Small 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

Moderate Credit Risk. The fund has a moderate credit quality compared to other debt funds

Invest in this fund
Explore a better alternative to this fund with a Scripbox plan.
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.

  • 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

No single fund can achieve what a plan can. Learn why

chart-amc-about

Historical NAV

9.1094

NAV (Oct 21)

Fund Returns

Last 1Y
22.3%
Last 3Y
-5.8%
Last 5Y
-1.8%
Last 10Y
NA
Since Inception
0.8%
6 Month CAGR
19.5%
info-icon-blue

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

Low to Moderate

Moderate

Moderately High

High

Very High

risk-indicator-arrow.svg

Moderate Risk

Expense Ratio
1.63
Launched (7y ago)
Dec 16, 2014
AUM in Crores
578.506
ISIN
INF789FA1V78
Lock-in
No Lock-in
Benchmark
CRISIL Short Term Credit Risk TR INR
SIP Minimum
1000
Lumpsum Min.
20000
Fund Managers
user-avatar

Ritesh Nambiar

Fund Manager

calculator

Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 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.

build-long-item-wealth-img

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
    Expert Investing Only, Car, Down Payment
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 13,509 cr

5

recommended-badge

₹ 33,192 cr

5

recommended-badge

₹ 11,590 cr

5

recommended-badge

₹ 33,722 cr

5

recommended-badge

₹ 22,849 cr

5

amc-icon

About the AMC

UTI Asset Management Company Ltd

UTI Asset Management Co Ltd manages assets worth 186,049 crores and was set up on 3 December 1993. It's current offering of mutual fund schemes includes 59 equity,485 debt and 34 hybrid funds.

amc-img

  • tel-amc-about
    022-62278000
  • mail-amc-about
    invest@utico.in
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    21.8%

    12.2%

    top-ranked-badge

    21.8%

    12.2%

    top-ranked-badge

    21.8%

    12.2%

    top-ranked-badge

    4.3%

    7.4%

    top-ranked-badge

    5%

    7%

    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

    How does Scripbox rate funds?

    Proprietary 4-step 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.

    Fund Size

    Fund Size

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

    Sub-asset Class View

    Sub-asset Class View

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

    Fund Performance

    Fund 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.

    Fund Size

    Fund 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 Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

    How to invest in best mutual funds?

    Investing through Scripbox is made easy and paperless. All you need to do is follow the below steps and start investing.

    01

    Choose a plan

    Choose a plan to invest to start investing

    02

    Create an Account

    Create an account with Scripbox through a paperless process, to invest in this fund.

    03

    Invest online & transfer

    Invest via netbanking, UPI or through an SIP (eNACH mandate).

    04

    Track your investments

    Track, invest more and withdraw your investments through the Scripbox dashboard

    TRUST

    1. 4100+Crores
    2. 2500+Cities
    3. 7200+Customers
    We manage to deliver better strategies to people who trust us.

    We thrive on trust. You don’t need to just take our word for it! Get started with your wealth creation without worry.

    testimonial image
    Investing has helped me dream bigger for my life
    Dr. Shraddha BahirwaniSr. Dental Consultant

    About UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

    About UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

    UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) is a Credit Risk Debt fund and has delivered an annualised return of 0.8% over a period of 6 years. The fund was previously known as UTI Credit Risk Reg Ann DR . The fund is managed by UTI Asset Management Co Ltd. The fund manager’s name is Ritesh Nambiar

    UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-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 Inc Dist cum Cap Wdrl (RIDCW-A) NAV,AUM,Risk

    The UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) fund was launched on Dec 16, 2014. The NAV (Net Asset Value) of this Credit Risk Debt fund as of 2021-10-21 is ₹9.11. The total AUM (Asset Under Management) of the fund as of 22/10/2021 is ₹578.506. The category risk of the UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) fund is Moderate Risk. The fund charges 1.63 % as expense ratio.

    UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) Holdings

    The fund’s highest allocation is towards Debt and has invested 87.1% in this asset class. The top three holdings of the fund are , 8.20% govt stock 2022 , net current assets , piramal capital & housing finance ltd , national bank for agriculture and rural development , 4.45% govt stock 2034 , summit digitel infrastructure private limited , india grid trust , the tata power company limited , torrent power limited , tata motors limited , amba river coke limited , 6.10% govt stock 2031 , dilip buildcon limited , aditya birla fashion and retail limited , tata steel limited , jm financial asset reconstruction company limited , godrej industries limited , bharti hexacom limited , 7.59% govt stock 2029 , govt stock , axis bank limited , 7.26% govt stock 2029 , coastal gujarat power limited , housing development finance corporation limited , afcons infrastructure limited , power finance corporation limited , manappuram finance limited , tata motors limited , l&t infrastructure finance company limited , hindalco industries limited , shriram transport finance company limited , tata motors limited , dilip buildcon limited , clearing corporation of india ltd. std - 91 daysmargin deposit

    UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-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 ₹ 20000.

    UTI Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-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 Inc Dist cum Cap Wdrl (RIDCW-A) Review

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

    Get started with investing today

    Invest in the best mutual funds recommended by Scripbox that are algorithmically selected that best suit your needs.