Income-oriented debt or money-market exposure
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.
Investors matching the scheme's duration and credit profile to their time horizon.
Interest-rate, credit, liquidity and reinvestment risk; debt funds are not fixed deposits.
How the money may be invested
Corporate debt rated AA and below: 65% - 100% Debt (other than that stated above) and Money market instruments (including Triparty Repos on Government Securities or treasury bill & Repo): 0% - 35% Units issued by InvITs: 0% - 10%
- SEBI category
- Debt - Credit Risk Fund
- Fund type
- An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds). A Relatively High interest rate risk and Relatively High Credit Risk (C-III)
- Primary benchmark
- CRISIL Credit Risk Debt B-II Index
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Mr. Anurag Mittal FM 1,Not Applicable FM 2,Not Applicable FM 3,Not Applicable FM 4
- Manager tenure on this scheme
- Since 21/07/2026 FM 1,Not Applicable FM 2,Not Applicable FM 3,Not Applicable FM 4
- Role / co-management
- Primary FM 1,Not Applicable FM 2,Not Applicable FM 3,Not Applicable FM 4
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| UTI - Credit Risk Fund. - Direct Plan - Annual IDCW | ₹13.2602 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Direct Plan - Discontinued Flexi IDCW | ₹13.2643 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Direct Plan - Discontinued Quarterly IDCW | ₹14.7486 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Direct Plan - Growth | ₹20.9007 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Direct Plan - Half yearly IDCW | ₹13.3137 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Direct Plan - Monthly IDCW | ₹11.3053 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Regular Plan - Annual IDCW | ₹12.2438 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Regular Plan - Discontinued Flexi IDCW | ₹11.9113 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Regular Plan - Discontinued Quarterly IDCW | ₹13.0334 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Regular Plan - Growth | ₹18.3487 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Regular Plan - Half yearly IDCW | ₹12.3087 | 04 Sep 2026 |
| UTI - Credit Risk Fund. - Regular Plan - Monthly IDCW | ₹11.0187 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 1.43%, Direct 0.76%
- Exit load
- Redemption/Switch out (a) within 12 months from date of allotment – i. up to 10% of allotted Units - NIL ii. beyond 10% of allotted Units - 1.00% (b) After 12 months from the date of allotment - NIL
- Minimum application
- Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular PlanGrowth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular PlanQuarterly Reinvestment of IDCW- Rs.20000, Regular Plan-Quarterly Payout of IDCW- Rs.20000, Direct Plan-Flexi Reinvestment of IDCW- Rs.20000, Direct Plan-Flexi Payout of IDCW- Rs.20000, Direct Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Direct Plan-Half-yearly Payout of IDCW- Rs.20000, Direct Plan-Annual Reinvestment of IDCW- Rs.20000, Direct Plan-Annual Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Quarterly Reinvestment of IDCW- Rs.20000, Direct Plan-Quarterly Payout of IDCW- Rs.20000, Regular Plan-Annual Reinvestment of IDCW- Rs.20000, Regular Plan-Annual Payout of IDCWRs.20000. · multiples of 1
- SIP frequency
- SIP - Daily (D), Weekly (W), Monthly (M), Quarterly(Q) SWP - Monthly, Quarterly,Halfyearly (H), Yearly (Y) STP - Daily, Weekly, Monthly,Quarterly, Flexi STP - Daily (D), Weekly (W), Monthly (M), Quarterly (Q)
- Minimum SIP amount
- SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000
- Minimum instalments
- SIP - Daily - 6, Weekly - 6, Monthly - 6, Quarterly - 4 SWP - Monthly-3, Quarterly-3, Halfyearly-3, Yearly-3 STP - Daily- 20,Weekly-6,Monthly-6,Quarterly-2 Flexi STP - Daily-20,Weekly-6,Monthly-6,Quarterly-2
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.