UTI Credit Risk Fund Direct-Growth
Debt: Credit Risk - Growth (Open ended)
SEBI Riskometer: Moderately HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II IndexCheck Portfolio Overlap →
NAV: ₹20.84-0.10%
22 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for UTI Credit Risk Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 92.08% | 92.31% | 91.21% | 86.82% | 87.84% | 87.50% |
| Others (incl. cash) | 6.91% | 5.49% | 6.64% | 11.14% | 10.12% | 10.39% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 1.01% | 2.20% | 2.15% | 2.04% | 2.04% | 2.11% |
Portfolio Snapshot
No. of Securities
24
Top Holding %
9.71%
Top 5 Holdings %
38.11%
Top 10 Holdings %
68.71%
Modified Duration
1.82 yrs
Avg. Maturity
2.38 yrs
Yield to Maturity
8.30%
AUM
₹241 Cr
Expense Ratio
0.76%
Since Inception
5.36%
Max Drawdown
-0.34%
Sharpe Ratio
1.75
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| GOI | Sovereign | 23,50,00,000 | 23.44 | 9.71% | 0.15%↑ |
| JTPM Metal Traders Ltd. | Metals & Mining | 1,800 | 19.42 | 8.04% | 0.26%↑ |
| Piramal Finance Ltd. | Financial | 2,42,678 | 17.38 | 7.20% | -0.03%↓ |
| Vedanta Ltd - Pref. Shares 7.50 | Metals & Mining | 1,500 | 15.11 | 6.26% | 0.19%↑ |
| Aadhar Housing Finance Ltd | Financial | 1,500 | 15.07 | 6.24% | 0.20%↑ |
| Tata Projects Ltd. | Construction | 1,500 | 15.02 | 6.22% | 0.19%↑ |
| Adani Power Ltd. | Energy | 1,500 | 14.92 | 6.18% | 0.20%↑ |
| Avanse Financial Services Ltd. | Financial | 1,450 | 14.56 | 6.03% | 0.20%↑ |
| Shivshakti Securitisation Trust | Others | 15 | 14.32 | 5.93% | 0.08%↑ |
| DMI Finance Ltd. | Financial | 1,400 | 13.77 | 5.70% | - |
| Eris Lifesciences Ltd. | Healthcare | 1,150 | 11.51 | 4.77% | 0.15%↑ |
| Aditya Birla Digital Fashion Ventures Ltd. | Services | 1,000 | 9.89 | 4.10% | 0.11%↑ |
| Aditya Birla Renewables Ltd. | Energy | 900 | 9 | 3.73% | 0.11%↑ |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 750 | 7.41 | 3.07% | 0.09%↑ |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 750 | 7.38 | 3.06% | 0.09%↑ |
| Eris Lifesciences Ltd. | Healthcare | 650 | 6.51 | 2.70% | 0.08%↑ |
| Uttar Pradesh State | Others | 2,19,60,000 | 2.2 | 0.91% | 0.02%↑ |
| Vedanta Ltd. | Metals & Mining | 200 | 2.01 | 0.83% | 0.03%↑ |
| GOI | Sovereign | 2,00,00,000 | 1.96 | 0.81% | 0.01%↑ |
| Others | Others | 0 | 0.12 | 0.05% | 0.00%↑ |
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Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AA | 43.46% | 18.24% |
| AA+ | 20.53% | 5.29% |
| SOV | 11.43% | 6.78% |
| AA- | 10.12% | 6.56% |
| Cash & Call Money | 6.96% | 25.23% |
| AAA | 5.93% | 7.80% |
| Others | 0.56% | 2.33% |
| A | - | 0.83% |
| A+ | - | 1.60% |
| A- | - | 0.51% |
| A1+ | - | 2.83% |
| B+ | - | 1.49% |
| B- | - | 2.35% |
| BBB | - | 0.73% |
| BBB+ | - | 0.04% |
| C | - | 0.01% |
| Cash | - | 0.15% |
| D | - | 0.01% |
| Term Deposits | - | 0.37% |
| Unrated | - | 0.02% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| GOI | GOI Securities | 7.10% | 08/04/2034 | SOV | 9.71% |
| JTPM Metal Traders Ltd. | Debenture | 0.00% | 30/04/2030 | CRISIL-AA | 8.04% |
| Piramal Finance Ltd. | Debenture | 6.75% | 26/09/2031 | ICRA-AA+ | 7.20% |
| Vedanta Ltd - Pref. Shares 7.50 | Debenture | 9.50% | 20/08/2027 | ICRA-AA+ | 6.26% |
| Aadhar Housing Finance Ltd | Debenture | 8.65% | 21/08/2027 | ICRA-AA+ | 6.24% |
| Tata Projects Ltd. | Debenture | 8.47% | 20/11/2026 | IND-AA | 6.22% |
| Adani Power Ltd. | Debenture | 8.20% | 25/01/2029 | IND-AA | 6.18% |
| Avanse Financial Services Ltd. | Debenture | 9.60% | 30/04/2027 | CRISIL-AA- | 6.03% |
| Shivshakti Securitisation Trust | Securitised Debt | 0.00% | 0 | CRISIL-AAA(SO) | 5.93% |
| DMI Finance Ltd. | Non Convertible Debenture | 9.50% | 12/10/2028 | ICRA-AA | 5.70% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/06/2027 | IND-AA | 4.77% |
| Aditya Birla Digital Fashion Ventures Ltd. | Non Convertible Debenture | 0.00% | 20/07/2029 | CRISIL-AA- | 4.10% |
| Aditya Birla Renewables Ltd. | Bonds/NCDs | 8.60% | 24/09/2027 | CRISIL-AA | 3.73% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.99% | 26/12/2028 | CRISIL-AA | 3.07% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.99% | 26/03/2029 | CRISIL-AA | 3.06% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/12/2026 | IND-AA | 2.70% |
| Uttar Pradesh State | State Development Loan | 7.79% | 29/03/2033 | SOV | 0.91% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | CRISIL-AA+ | 0.83% |
| GOI | GOI Securities | 6.54% | 17/01/2032 | SOV | 0.81% |
| Others | CBLO | 0.00% | 0 | - | 0.05% |
| GOI | GOI Securities | 7.38% | 20/06/2027 | SOV | 0.00% |
Frequently Asked Questions
What are the top holdings of UTI Credit Risk Fund Direct-Growth?
The top holdings of UTI Credit Risk Fund Direct-Growth as of 30 Sep 2026 are GOI (9.71%), JTPM Metal Traders Ltd. (8.04%), Piramal Finance Ltd. (7.20%), Others (6.91%), Vedanta Ltd - Pref. Shares 7.50 (6.26%). These top 5 stocks together account for 38.11% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does UTI Credit Risk Fund Direct-Growth hold in its portfolio?
UTI Credit Risk Fund Direct-Growth holds 24 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of UTI Credit Risk Fund Direct-Growth?
The sector allocation of UTI Credit Risk Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of UTI Credit Risk Fund Direct-Growth?
As of 30 Sep 2026, UTI Credit Risk Fund Direct-Growth has 0.00% allocated to equity, and 92.08% to debt. You can also check the historical trends above.
What is the market cap allocation of UTI Credit Risk Fund Direct-Growth?
The market cap allocation of UTI Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of UTI Credit Risk Fund Direct-Growth's portfolio?
The portfolio PE ratio of UTI Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of UTI Credit Risk Fund Direct-Growth?
As of 30 Sep 2026, UTI Credit Risk Fund Direct-Growth's debt portfolio has 5.93% in AAA-rated instruments, 43.46% in AA-rated, and 11.43% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for UTI Credit Risk Fund Direct-Growth?
The latest portfolio disclosure for UTI Credit Risk Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.