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UTI Credit Risk Fund Direct-idcw Monthly
Debt
Moderately High Risk
Latest AUM
₹ 251.7 Cr.
NAV as on 24 jul, 2026
₹ 11.32
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
UTI Credit Risk Fund Direct-idcw Monthly
Lock In
No Lock-in
SIP Minimum Investment amount
₹500
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹100
Risk
Principal at moderately high risk
Category Average Annual Returns
10.65
Portfolio Composition Analysis
Debt
86.82%
Cash
11.14%
Portfolio Updated on: 07 Jul, 2026
Sector Allocations
Debt
Other
Financial
Entities
Materials
Consumer Staples
Healthcare
Industrials
Energy & Utilities
Portfolio Updated on: 24 jul, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 11.38% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 10.21% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.87% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.87% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.30% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.28% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.41% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 1.00% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 9.30% |
| GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 | Entities | GOI Securities | 1.00% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 1.72% |
| Standard Deviation | 0.89% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 1.85% | NA | 1.36% |
| 6 Months | 3.48% | NA | 6.38% |
| 9 Months | 4.74% | NA | 8.55% |
| 1 Year | 6.39% | 6.39% | 10.65% |
| 2 Years | 16.53% | 7.95% | 9.45% |
| 3 Years | 25.20% | 7.78% | 8.46% |
| 5 Years | 62.45% | 10.19% | 9.28% |
| 7 Years | 16.45% | 2.20% | NA |
| 10 Years | 42.02% | 3.57% | 6.47% |
UTI Credit Risk Fund Direct-idcw Monthly 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 ₹251.7 crore as on Tue Mar 31, 2026. The expense ratio stands at 0.93%.
Sunil Madhukar Patil has experience He joined UTI AMC in October 1989. He has overall 32 years of experience in Primary Market Investment / Dealing and Fund Management.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Bank Of India Credit Risk Fund Direct-growth | 100.3 | +0.49% | +6.89% | +8.69% | +17.36% | +10.00% | +27.72% |
| Bank Of India Credit Risk Fund Direct-growth | 100.3 | +0.49% | +6.89% | +8.69% | +17.36% | +10.00% | +27.72% |
| Bank Of India Credit Risk Fund Direct-growth | 100.3 | +0.49% | +6.89% | +8.69% | +17.36% | +10.00% | +27.72% |
| Bank Of India Credit Risk Fund Direct-growth | 100.3 | +0.49% | +6.89% | +8.69% | +17.36% | +10.00% | +27.72% |
| Bank Of India Credit Risk Fund Direct-growth | 100.3 | +0.49% | +6.89% | +8.69% | +17.36% | +10.00% | +27.72% |
| Bank Of India Credit Risk Fund Direct-growth | 100.3 | +0.49% | +6.89% | +8.69% | +17.36% | +10.00% | +27.72% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from UTI Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| UTI Credit Risk Fund Direct-flexi Idcw | 251.7 | +0.54% | +1.85% | +3.48% | +6.39% | +7.78% | +10.19% |
| UTI Credit Risk Fund Regular Plan-flexi Idcw | 251.7 | +0.49% | +1.68% | +3.13% | +5.63% | +7.04% | +9.41% |
| UTI Credit Risk Fund Direct-growth | 251.7 | +0.54% | +1.85% | +3.48% | +6.39% | +7.78% | +10.19% |
| UTI Credit Risk Fund Regular Plan-growth | 251.7 | +0.49% | +1.68% | +3.13% | +5.63% | +7.04% | +9.41% |
| UTI Credit Risk Fund Direct-idcw Half Yearly | 251.7 | +0.54% | +1.85% | +3.48% | +6.39% | +7.78% | +10.19% |
| UTI Credit Risk Fund Regular Plan-idcw Half Yearly | 251.7 | +0.49% | +1.68% | +3.13% | +5.63% | +7.04% | +9.41% |
| UTI Credit Risk Fund Regular Plan-idcw Monthly | 251.7 | +0.49% | +1.68% | +3.13% | +5.63% | +7.04% | +9.41% |
| UTI Credit Risk Fund Regular Plan-idcw Quarterly | 251.7 | +0.49% | +1.68% | +3.13% | +5.63% | +7.04% | +9.41% |
| UTI Credit Risk Fund Direct-idcw Quarterly | 251.7 | +0.54% | +1.85% | +3.48% | +6.39% | +7.78% | +10.19% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
Top funds are based on Fund AUM
Top Debt Funds
| Fund name | ||||
|---|---|---|---|---|
| Bank Of India Credit Risk Fund Direct-growth | ₹14.73 | +10.00% | +27.72% | — |
| Bank Of India Credit Risk Fund Direct-growth | ₹14.73 | +10.00% | +27.72% | — |
| Bank Of India Credit Risk Fund Direct-growth | ₹14.73 | +10.00% | +27.72% | — |
| Bank Of India Credit Risk Fund Direct-growth | ₹14.73 | +10.00% | +27.72% | — |
| Bank Of India Credit Risk Fund Direct-growth | ₹14.73 | +10.00% | +27.72% | — |
| Bank Of India Credit Risk Fund Direct-growth | ₹14.73 | +10.00% | +27.72% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 24 Jul 2026 | ₹11.32 |
| 23 Jul 2026 | ₹11.32 |
| 22 Jul 2026 | ₹11.32 |
| 21 Jul 2026 | ₹11.32 |
| 20 Jul 2026 | ₹11.32 |
| 17 Jul 2026 | ₹11.31 |
| 16 Jul 2026 | ₹11.31 |
| 15 Jul 2026 | ₹11.30 |
| 14 Jul 2026 | ₹11.30 |
| 13 Jul 2026 | ₹11.32 |
| 10 Jul 2026 | ₹11.32 |
| 09 Jul 2026 | ₹11.31 |
| 08 Jul 2026 | ₹11.31 |
| 07 Jul 2026 | ₹11.31 |
| 06 Jul 2026 | ₹11.32 |
| 03 Jul 2026 | ₹11.31 |
| 02 Jul 2026 | ₹11.31 |
| 01 Jul 2026 | ₹11.36 |
| 30 Jun 2026 | ₹11.36 |
| 29 Jun 2026 | ₹11.35 |
| 25 Jun 2026 | ₹11.33 |
| 24 Jun 2026 | ₹11.32 |
| 23 Jun 2026 | ₹11.32 |
| 22 Jun 2026 | ₹11.31 |
| 19 Jun 2026 | ₹11.30 |
| 18 Jun 2026 | ₹11.30 |
| 17 Jun 2026 | ₹11.30 |
| 15 Jun 2026 | ₹11.30 |
| 12 Jun 2026 | ₹11.28 |
| 11 Jun 2026 | ₹11.27 |
Portfolio Updated on: 25 Jul, 2026
Fund Growth & Size Analysis
+₹251.7 Cr
Since Launch
This Fund
Category Average
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UTI Credit Risk Fund Direct-idcw Monthly Returns Comparison
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UTI Credit Risk Fund Direct-idcw Monthly FAQ'S
- Sharpe Ratio: 1.72%
- Standard Deviation: 0.89%
As of Tue Mar 31, 2026, the total assets managed under UTI Credit Risk Fund Direct-idcw Monthly stand at approximately ₹ 251.7 crore.
The UTI Credit Risk Fund Direct-idcw Monthly has delivered the following short-term performance:
- 3 Months Return: 1.85%
- 6 Months Return: 3.48%
The historical growth of the UTI Credit Risk Fund Direct-idcw Monthly is reflected through its CAGR returns:
- 3 Year CAGR: 7.78%
- 5 Year CAGR: 10.19%
- Return Since Launch: 5.41%
The portfolio of UTI Credit Risk Fund Direct-idcw Monthly is distributed across different asset classes as follows:
- Debt Instruments: 86.82%
- Other Assets: 11.14%
The UTI Credit Risk Fund Direct-idcw Monthly is managed by Sunil Madhukar Patil, representing UTI Mutual Fund.
Top stock holdings of UTI Credit Risk Fund Direct-idcw Monthly include:
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 11.38% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 10.21% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 9.87% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 9.87% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 9.30% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 9.28% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 9.41% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 1.00% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 9.30% of the portfolio
- GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100 – represents 1.00% of the portfolio
Major sector exposures in UTI Credit Risk Fund Direct-idcw Monthly are:
- Financial – accounts for 254.19% of the portfolio
- Entities – accounts for 151.51% of the portfolio
- Materials – accounts for 135.91% of the portfolio
- Consumer Staples – accounts for 88.69% of the portfolio
- Industrials – accounts for 84.47% of the portfolio
