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Unrated

UTI Credit Risk Fund Segregated Portfolio 2 - Regular Plan


Debt: Credit Risk

1 Lakh

Investment declined to
₹ 0.84 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Suitability:

"Credit risk funds invest mainly in bonds which are rated AA or below by credit rating agencies. The lower rating indicates a higher possibility of these bonds defaulting on repayment of investors' money. Therefore, these funds are the riskiest among debt fund categories. But they compensate for this additional risk with a higher return potential as these bonds offer better rates of interest than the highest rated bonds.

However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund -16.42 0.02 0.20 0.86 2.67 5.54 -15.89 -- -- -- --
CCIL T Bill Liquidity Weight 1.88 0.03 0.04 0.17 0.43 1.08 2.05 -- -- -- --
Debt: Credit Risk 8.54 0.01 0.09 0.41 3.33 5.35 9.12 -- -- -- --

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Credit Risk Fund Segregated Portfolio 2 - Regular Plan
Unrated
Feb-20 -15.89 -- -- -- 47
HDFC Credit Risk Debt Fund - Regular Plan  | Invest Online
5 star
Mar-14 7.46 9.04 7.47 1.61% 8,757
ICICI Prudential Credit Risk Fund  | Invest Now
5 star
Dec-10 6.66 8.69 7.72 1.55% 8,304
SBI Credit Risk Fund  | Invest Online
4 star
Jul-04 5.32 7.26 6.72 1.55% 3,341
Aditya Birla Sun Life Credit Risk Fund - Regular Plan  | Invest Online
4 star
Apr-15 6.90 6.08 6.26 1.92% 1,441

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.28 31-Mar-2021 - 09-Apr-2021 -45.22 03-Jul-2020 - 10-Jul-2020
Month 1.02 05-Feb-2021 - 09-Mar-2021 -51.07 10-Jun-2020 - 10-Jul-2020
Quarter 2.91 26-Mar-2021 - 28-Jun-2021 -50.39 09-Apr-2020 - 10-Jul-2020
Year -15.86 27-Nov-2020 - 29-Nov-2021 -59.91 17-Feb-2020 - 16-Feb-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
CCIL T Bill Liquidity Weight* 3.18 0.40 -1.54 -4.30 -- --
Debt: Credit Risk* 3.00 7.15 0.57 0.71 -5.08 -3.88

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 30-Nov-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 2 2 2 29
Modified Duration (yrs) 0.00 0.00 0.00 --
Average Maturity (yrs) 0.25 1.08 0.25 --
Yield to Maturity (%) 2.81 2.81 2.81 --
Avg Credit Rating B -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 8.04% Vodafone Idea 27/01/2022 Debenture B- 0.00 - 50.73 49.84
equal 8.03% Vodafone Idea 31/01/2022 Debenture B- 0.00 - 42.72 41.97

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2021

Fund Manager

— Ritesh Nambiar since 17-Feb-2020

Education: Mr. Nambiar is an MMS (Finance), CFA and FRM holder.

Experience: Prior to joining UTI AMC in March 2008, he was a Fixed Income Analyst with CRISIL Research (January 2007 - March 2008) and a Fixed Income Trader with Eurex, LIFFE and CBOE Desk )(May 2005 - October 2006).

Funds Managed:


0.02%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 0.6112

IDCW Yearly: ₹ 0.4078

More

IDCW Quarterly: ₹ 0.4342

IDCW Monthly: ₹ 0.3671

IDCW Half Yearly: ₹ 0.4100

Flexi IDCW: ₹ 0.3968


Investment Strategy

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).

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) --
Minimum No of Cheques --
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) --
Lock-in Period Not Applicable
Exit Load

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 17-Feb-2020
Return Since Launch: -78.93%
Benchmark: CRISIL Short Term Credit Risk
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 47 Cr (As on 31-Oct-2021)
Expense: -- (As on )
Risk Grade: --
Return Grade: --

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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