UTI Credit Risk Fund - IDCW - Half Yearly

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 21 (Category Avg - 35.71) | Modified Duration 2.30 Years (Category Avg - 2.09)| Yield to Maturity 7.67% (Category Avg - 7.55%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	17.10%	14.65%
CD	0.00%	1.34%
NCD & Bonds	70.29%	70.76%
PTC	5.65%	1.47%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	17.10%	14.65%
Low Risk	75.94%	65.39%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			262.45	9.87%	25.50 Cr
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	204.02	7.67%	2.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	202.32	7.61%	2.00 k
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	LAA	ICRA	201.63	7.58%	2.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	190.57	7.16%	1.90 k
Bond - Piramal Capital and Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	180.44	6.78%	2.43 L
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	150.37	5.65%	15.00
Bond - Avanse Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA-	CRISIL	145.89	5.48%	1.45 k
Bond - Govt of India	GOI	Other			139.45	5.24%	13.50 Cr
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	116.68	4.39%	1.15 k
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	100.45	3.78%	1.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	100.33	3.77%	100.00
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	100.31	3.77%	1.00 L
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	91.37	3.43%	900.00
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	85.94	3.23%	850.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	75.09	2.82%	750.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	75.04	2.82%	750.00
Bond - Govt of India	GOI	Other			22.65	0.85%	2.20 Cr
Bond - Govt of India	GOI	Other			20.05	0.75%	2.00 Cr
Bond - Govt of India	GOI	Other			10.40	0.39%	1.00 Cr
Bond - Govt of India	GOI	Other			0.01	0.00%	10.00 k

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	3.49%
Indus Infra Trust	InvITs	1.77%
TREPS	TREPS	1.65%
Margin	Margin	0.05%

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NITINPIMPALE
MF Investment Help
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6 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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18 days ago

View more

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The Fixed Income
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18 hrs ago

Boost Your Portfolio with a Short-Term, High-Return NBFC Bond! 9.35% NIDO HOME FINANCE LIMITED 2028 ✔️ Coupon: 9.35% ✔️ Rating: CRISIL A+ Stable ✔️ Tenor: 2y 10m (Maturity: 10/Sep/2028) Senior Secured | High Return Bond | Listed Earn steady returns backed by a trusted NBFC with strong credit ratings. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldVlnPT0=/935-nido-home-finance-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Boost Your Portfolio with a Short-Term, High-Return NBFC Bond! 9.35% NIDO HOME FINANCE LIMITED 2028 ✔️ Coupon: 9.35% ✔️ Rating: CRISIL A+ Stable ✔️ Tenor: 2y 10m (Maturity: 10/Sep/2028) Senior Secured | High Return Bond | Listed Earn steady returns backed by a trusted NBFC with strong credit ratings. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldVlnPT0=/935-nido-home-finance-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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68 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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81 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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119 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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