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 20 (Category Avg - 35.50) | Modified Duration 2.30 Years (Category Avg - 2.13)| Yield to Maturity 7.67% (Category Avg - 7.59%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	15.89%	14.87%
CD	0.00%	1.35%
CP	0.00%	0.06%
NCD & Bonds	72.56%	70.97%
PTC	5.89%	1.43%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	15.89%	14.87%
Low Risk	78.45%	65.80%
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 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			263.21	10.21%	25.50 Cr
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	203.34	7.88%	2.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	202.29	7.84%	2.00 k
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	LAA	ICRA	201.81	7.82%	2.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	190.50	7.39%	1.90 k
Bond - Piramal Capital and Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	181.96	7.06%	2.43 L
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	151.85	5.89%	15.00
Bond - Avanse Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA-	CRISIL	145.78	5.65%	1.45 k
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	116.78	4.53%	1.15 k
Bond - Govt of India	GOI	Other			103.69	4.02%	10.00 Cr
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	100.35	3.89%	1.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	100.25	3.89%	100.00
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	100.24	3.89%	1.00 L
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	91.40	3.54%	900.00
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	85.97	3.33%	850.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	75.65	2.93%	750.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	75.42	2.92%	750.00
Bond - Govt of India	GOI	Other			22.72	0.88%	2.20 Cr
Bond - Govt of India	GOI	Other			20.09	0.78%	2.00 Cr
Bond - Govt of India	GOI	Other			0.01	0.00%	10.00 k