UTI Credit Risk Fund - Growth

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 19 (Category Avg - 35.14) | Modified Duration 2.06 Years (Category Avg - 2.08)| Yield to Maturity 7.44% (Category Avg - 7.54%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	18.38%	15.17%
CD	0.00%	1.01%
NCD & Bonds	65.92%	71.10%
PTC	0.00%	0.85%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	18.38%	15.17%
Low Risk	65.92%	65.18%
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 Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			312.93	11.38%	30.50 Cr
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	203.91	7.42%	2.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	202.34	7.36%	2.00 k
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	LAA	ICRA	201.68	7.34%	2.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	190.66	6.93%	1.90 k
Bond - Piramal Capital and Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	187.51	6.82%	2.43 L
Bond - Avanse Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA-	CRISIL	145.86	5.30%	1.45 k
Bond - Govt of India	GOI	Other			139.06	5.06%	13.50 Cr
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	116.78	4.25%	1.15 k
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	100.60	3.66%	1.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	100.35	3.65%	100.00
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	100.33	3.65%	1.00 L
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	91.41	3.32%	900.00
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	86.05	3.13%	850.00
Bond - Motilal Oswal Finvest Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	85.05	3.09%	850.00
Bond - Govt of India	GOI	Other			22.71	0.83%	2.20 Cr
Bond - Govt of India	GOI	Other			19.96	0.73%	2.00 Cr
Bond - Govt of India	GOI	Other			10.36	0.38%	1.00 Cr
Bond - Govt of India	GOI	Other			0.01	0.00%	10.00 k

Name	Type of Instrument	Weight (%)
TREPS	TREPS	10.25%
Net Receivables	Net Receivables	3.71%
Indus Infra Trust	InvITs	1.69%
Margin	Margin	0.05%

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krishna_ksvs
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10 days ago

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hunch
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45 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
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1 days ago

Invest in a Reliable PSU Bond for Steady Returns POWER FINANCE CORPORATION LIMITED – 2029 Bond ✔️ Coupon: 9.10% p.a. ✔️ Rating: AAA Stable (CRISIL, ICRA, CARE) ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) ✔️ PSU Bond | High Return | Listed Secure your funds in a top-rated PSU and benefit from attractive, stable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in a Reliable PSU Bond for Steady Returns POWER FINANCE CORPORATION LIMITED – 2029 Bond ✔️ Coupon: 9.10% p.a. ✔️ Rating: AAA Stable (CRISIL, ICRA, CARE) ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) ✔️ PSU Bond | High Return | Listed Secure your funds in a top-rated PSU and benefit from attractive, stable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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73 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

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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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111 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

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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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Progrowth Finwealth
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111 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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